Reason Code 13.5: Misrepresentation

The cardholder claims the terms of sale were vague, inaccurate, and misleading.

The merchant misrepresented their terms of sale. Merchants who often receive this reason code include timeshare resellers, credit repair, debt consolidation, technical support/services, and foreclosure relief services.

• Ensure the sales description is detailed and honest.
• Include video and photo descriptions.

This reason code supersedes merchant return policies.