Q: How to dispute a charge with credit card company due to merchant not providing all services in contract.

A: If you're facing issues with a merchant who hasn't provided all the services outlined in your contract, even though it states "no refunds," you can still dispute the charge with your credit card company. Begin by gathering all relevant documentation, including the contract, any communication with the merchant, and proof of the services not rendered. This evidence will support your claim.

Next, contact your credit card issuer directly, usually through the number on the back of your card. Explain the situation clearly, stating that you paid for services that were not provided as agreed in the contract. Request to initiate a chargeback due to failure to receive the promised services. Be ready to provide all the collected documents and explain the situation in detail.

Keep a record of all communications with both the merchant and your credit card company. Follow up regularly and be prepared for a possible investigation from your credit card issuer. They will guide you through their specific process, which may vary slightly depending on the company. Remember, patience and clear communication are key in resolving such disputes.

A: Most credit card companies will work with both parties to try to be fair and impartial in exploring the dispute and determining if adjustment if warranted. Having a good summary of your facts, issues, timelines, and evidence is valuable in presenting your position. Good luck