Can I make a dispute over a transaction if I am not satisfied with the quality of the product/service provided by the merchant?

I made some online purchases with my Citi Cash Back Visa Card but was not satisfied with the delivered goods, how do I raise a dispute regards to payments made through my credit cards for the delivery of unfit goods/services

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    No Name

    Actually your ability to dispute a transaction due to poor or unsatisfactory product quality will depend on the sales agreement between the cardholder and the merchant. For example, you purchased a pair of sneakers from a physical store and the terms of sale stated a no-return policy which you have sighted, signed and acknowledged. If so, you will have no rights to dispute the transaction. However, if you made an online purchase like you say and the merchandise you received was not as described or it arrived damaged, you can file a dispute as you have a right to do so. In such a case, you should first make efforts to contact and resolve the dispute with the merchant to either get an exchange or a refund upon returning the merchandise. If the merchant refuses, you can then file a dispute with your card-issuing bank. You will however need to provide documentary proof that the wrong or defective product was delivered in order for the bank to initiate a chargeback.

    2019.08.01 3:1

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