If you choose to disagree with the Card Member and you have not issued or do not plan to issue a refund, you will need to: 

1. Select a reason why you disagree with the Card Member's claim. 

2. Attach relevent files, including supporting documents, any itemized documents, and proof of delivery if applicable.

3. Provide comments as necessary.

The accepted formats and size requirements are as follows:

• PDF, JPG, TIFF, or DOC/DOCX
• Up to 300 DPI maximum 
• Documents may not exceed 5MB per file
• Images may not exceed 5MB per file 
• All attached files may not exceed a total of 25MB
• When responding to a single case: no more than 20 pages and five files per case.

You also have the option to issue a partial refund to the Card Member and can choose to refund a specific amount or designate a percentage of the original amount to be refunded. Note that partial refunds are only applicable for inquiries.

Finally, to verify your response, you wil need to provide initials. 

Once all details are provided, click "Submit Response".