# Common Reasons for Chargebacks Here’s a closer look at some of the common causes of chargebacks. Here are three frequent reasons why customers dispute card transactions: **Fraud:** An unauthorised party has made the disputed charge. **Friendly Fraud:** A cardholder mistakenly believes a charge is fraudulent when it isn’t. This often arises from transaction confusion, where the cardholder doesn’t recognise a charge that they or someone in their household has made. **Service Issues:** Ideally, the cardholder would contact the merchant directly about service problems, such as shipping delays or receiving damaged goods. However, some cardholders opt to dispute the transaction to secure a refund