what is a chargeback 
a chargeback is the return of money to a customer following the successful dispute of a particular credit transaction it reverses a money transfer from the payer s bank account or credit card will a credit billing dispute affect your credit score no filing a dispute has no impact on a consumer s credit score however the card issuer may report the dispute to one or more of the three major credit bureaus while its investigation is in progress and that information may show up in the consumer s credit report 4the bottom linethe fair credit billing act is designed to protect consumers from unfair billing practices the act provides a path for consumers to dispute billing errors or unauthorized charges and requires that credit issuers investigate and resolve them 