How to do chargeback through bank when seller refuses refund?

Short answer If a seller refuses to issue a refund, you can initiate a chargeback through your bank. This process allows you to dispute the transaction and potentially recover your funds, especially if the purchase was made using a credit or debit card. What to check Verify the transaction date and amount. Review the seller's return policy and any communication regarding the refund. Ensure that you have attempted to resolve the issue directly with the seller. Check if the purchase was made with a credit or debit card that offers chargeback protection. Gather all relevant documentation, including receipts, emails, and any other correspondence. What to do next Contact your bank: Reach out to your bank or card issuer to inquire about their chargeback process. Provide documentation: Submit all necessary documentation, including proof of purchase, communication with the seller, and any evidence supporting your claim. Complete the chargeback form: Fill out the required chargeback form provided by your bank, ensuring all details are accurate. Submit your claim: Send the completed form and supporting documents to your bank, either online or via mail, as per their instructions. Follow up: Keep track of your claim status and follow up with your bank if you do not receive updates within the expected timeframe. Common pitfalls Failing to keep records of all communications with the seller. Missing the chargeback request deadline, which can vary by bank. Not providing sufficient evidence to support your claim. Assuming that the bank will automatically resolve the issue without your involvement. Pro tip Always document every step of your communication with the seller and your bank, as this can significantly strengthen your case during the chargeback process.