Frequently Asked Questions

We’re happy to answer whatever specific questions you might have in a chat or over the phone.  In the meantime, here are some answers to those that are the most frequently asked.

Questions about us

MyChargeBack is an American fund recovery firm with a global focus and an international client base throughout North and South America, Europe, Africa, Asia, and Oceania.

We maintain an affiliate office in the United Kingdom and a representative office in South Africa.

MyChargeBack specializes in complex fund recovery scenarios involving authorized card-not-present transactions.

  • To provide consumers who did not receive the goods or services they contracted with the most effective fund recovery strategies
  • Our motto is “Put your money back in your wallet – where it belongs
  • Our mission statement is “We bring our expertise in complex payment disputes to the consumer’s side”
  • We are a Silver Associate Member of the American Bankers Association (ABA) and a member of Financial Services Complaints Ltd of New Zealand, approved by the Minister of Consumer Affairs to operate as an external dispute resolution scheme in the financial services industry
  • Our affiliate in the United Kingdom is licensed and regulated by the Financial Conduct Authority (FCA)
  • MyChargeBack has been quoted as trusted authorities in articles published by ForbesThe Huffington Post and the Canadian Broadcasting Corporation (CBC), among other respected news outlets
  • We only partner with reputable U.S. financial institutions such as Chase and Wells Fargo
  • Ask our clients – we’ll gladly introduce you
  • And your most important assurance is that upon a successful recovery, your chargeback goes directly to your bank account and not to us − we trust you to pay us once your case is resolved!
Questions about Fund Recovery

Absolutely. Whether you were buying goods or services, if you did not receive what you paid for, and the merchant refuses to make it right, you likely qualify for a chargeback.

Yes it does, but you may have more time than you think, or even more than your bank thinks. The rules governing deadlines are complex and confusing, but we are the experts. It’s very possible that your banker, faced with a chargeback request, will simply assume that 120 days is the final limit.

But we know — and are able to explain — that there are many authorized transactions for which the deadline is actually 540 days. Once we’ve taken a look at your case, we will quickly determine if you qualify, and then it’s our job to make sure your banker understands.

The rules regarding bank wire recalls are even more complex, but in some cases they may even be possible as much as two years from the transaction date.

Not in the slightest. Banks have dispute departments to handle issues such as these. And assuming you obtain a chargeback, it will be paid not by your bank but by the acquiring bank on the other end of the transaction from funds held in the account of the merchant whose service you have successfully challenged.
Questions about Working Together
We will give you a free no-commitment thorough review of your case, and then we will give you our professional analysis of your chances of success. Each case we accept has unique characteristics and requires slightly different strategies to recover your funds. Please contact us to review your case.

If it is, we’ll tell you upfront and explain why. We do not accept cases that present insurmountable obstacles. With a few questions about your case, we can determine if our services would be of benefit to you. We understand the sensitive issues involved and all conversations are strictly confidential.

That depends on the size of your claim and the complexity of your case. We offer our clients chargeback and wire recall programs for transactions of $5,000 (or the equivalent in other currencies) and above. Both require an initial retainer covering documentation and discussions with your bank and a success fee that we invoice only after you recover your money.

Step #1: Assemble Your Documentation
To ensure quick processing of your dispute, you will need to present a convincing case to your bank. MyChargeBack will first review all your documentation and prepare the paperwork. You will then be able to submit it to the bank in the most effective way possible.

Step #2: Answer the Questions Fully
MyChargeBack can craft an effective strategy only if we are provided with accurate information. Before we begin, therefore, we will provide you with a questionnaire. Answer the questions as accurately as possible. With your cooperation, we will then prepare the best possible chargeback case for you.

Step #3: Respond Quickly
You cannot initiate a chargeback forever. There are various deadlines and time frames that are non-negotiable. Keep in mind that the chargeback process can extend over several months. For that reason, it’s in your best interest to file your dispute as quickly as possible after you made the transaction, and thereafter to promptly respond to communication from us or your bank.