SAMPLE — illustrative data — this is a fabricated sample packet published by Counterproof. No real cardholder, merchant, or transaction data appears anywhere in it.

Example Threads Co.

100 Example Avenue, Suite 200, Sampletown, CA 90001

Re: dispute dp_SAMPLE_creditissued — Response to chargeback — credit not processed (Visa 13.6 / MC 4853)

The cardholder claims a credit was not processed. Processor settlement records show the refund was issued in full, defeating this Visa 13.6 / MC 4853 claim.

Transaction details

AmountUSD 60.00
Transaction date2026-02-11
Transaction IDch_SAMPLE_cnp01
Refund amountUSD 60.00
Refund date2026-02-20

Credit issued

A credit of USD 60.00 — the full amount of the original USD 60.00 charge (ch_SAMPLE_cnp01 on 2026-02-11) — was issued on 2026-02-20 under processor transaction re_SAMPLE_cnp01refund (Exhibit A). The refund has settled and the cardholder has already been made whole.

Because the credit the cardholder says was not processed has in fact cleared to the same card, the dispute recovers money that has already been returned; the settlement record is the strongest possible proof of the refund.

Exhibits

  1. Exhibit A — Processor batch / settlement record showing the refund. Settlement record for re_SAMPLE_cnp01refund confirming the USD 60.00 credit cleared on 2026-02-20.
  2. Exhibit B — Refund confirmation to the cardholder. The refund confirmation sent to the cardholder for the USD 60.00 credit.
  3. Exhibit C — Cardholder communications. Correspondence for the order showing the refund was requested and granted.