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Hello. My name is Alex.Thank you for your question.I will be happy to provide you with information you are seeking for educational purposes only.
Did you have a written agreement for services with the credit card holder?
Did the credit card holder sign any written authorizations / credit card slips for the charges?
What is the amount that is being disputed?
Thank you for your follow up.
Were you provided with a reason for the credit card dispute?
Do you have any other proof of the agreement for the charges, aside from the text messages (which in most cases would not hold up in court)?