Intelligence Reports


The fund recovery process is a challenging one, and is often like a dramatic court case. This is true regarding credit card chargebacks which involve disputes between merchants, broker or brokers and customers. It often requires convincing an issuing bank to demand a reversal of charges from the merchant. To accomplish this, you need evidence on your side and a valuable tool is an intelligence report. 

An intelligence report gathers all of the information from the client along with further research on the company by fund recovery experts, data that is relevant to the customer’s claim, and proof of how similar types of situations have been dealt with. A broker or a merchant, for instance, may have a track record of similar complaints that the issuing bank should know about before deciding to dismiss the customer’s request for a chargeback. 

Obviously consumers can’t be expected to have the experience and expertise to draw up an intelligence report on their own. Fund recovery services deal with hundreds of complaints and similar situations and have the resources and skills to locate the information required to support client’s claims and chargeback requests. To improve your chances of chargeback success, it is a good idea to seek the services of fund recovery professionals who will consult with you and draw up a detailed intelligence report that will help you with your chargeback. 

Professionals at Pengeretur provide information to consumers about credit card chargebacks, wire recalls and other fund recovery strategies. We advise clients on the chargeback process and these best ways to pursue fund recovery, particularly for merchant or broker disputes.

What Are Intelligence Reports?

Intelligence reports are detailed summaries of the claim made by the customers who is requesting a chargeback and any information that would be useful in making a decision about what should be done. It is a detailed version of a complaint that states the problem and brings in all of the information and resources required to help the issuing bank or other parties understand the situation. 

Intelligence reports help the customer articulate their complaint and make the case of why a chargeback is appropriate in their case. It will describe the interactions between the customer and the merchant or broker from their first contact. Ideally an intelligence report will have screenshots of the website, texts and copies of emails and any documents that were signed. 

An intelligence report will often go beyond the specific situation and include investigation into the merchant or broker. It can mention if there have been similar complaints about the merchant, how these complaints were dealt with and appeals for a fair resolution of the current case. 

For instance, if a merchant repeatedly sends items that were lost or damaged and blames it on the delivery service (which depending on the situation may be the merchant’s responsibility), it may be useful for the issuing bank to know this.

 Information can be found from a preponderance of reviews, stories in the press or on social media, and warnings by consumer groups. The same may be true of brokers who won’t refund a client’s money. The intelligence report may reveal that this broker has lost their license or has similar complaints and warnings from regulators. 

If a merchant or a broker has a history like this, an intelligence report can be a crucial factor in getting a chargeback. However, it can be difficult for most consumers to find this information without the help of professionals.

When Are Intelligence Reports Useful?

Intelligence reports are useful in cases of merchant or broker disputes and in cases of outright fraud. The line between disputes and fraud can seem a bit thin, because a customer who initially asks for a chargeback may think the merchant or broker is acting in good faith and may not realize they are fraudulent. In either case, it is useful for experts to dig deeper and find useful information that can help a consumers’ case. 

What Steps are Involved in Creating an Intelligence Report?

An intelligence report begins with a customer consulting with a fund recovery professional and giving them all of the information about their case. They will describe the situation in detail and provide any supporting documents that will be helpful in bolstering their case. 

Then the fund recovery service will take it from there and perform their own investigations into the merchant or broker. They may ask the customer for clarification or supporting documents as the process goes on. The end of the process results in an intelligence report that the customer can submit to the issuing bank in the case of a dispute or to law enforcement in cases of fraud. An intelligence report is often a useful tool in resolving either of these situations. 

What Do Customers Need to Provide in the Intelligence Report Process?

It is important to have as much information as you can when making a claim for a chargeback. There are things that you may not have saved, like a screenshot of a website that has changed design, but chances are, you will be able to find old emails and text messages without having to look too deeply. 

If you want to prove that the item did not appear in good condition, it is best to have a picture timestamped with a certain date. It is always a good practice to keep a record of transactions and to have photo evidence if a service or product did not meet your standard. 

There is no guarantee that a fund recovery service with the help of an intelligence report will necessarily be able to persuade the issuing bank or other authority to require a chargeback in your favor. However, an intelligence report and the assistance of fund recovery professionals will greatly improve your chances of success.

Pengeretur professionals provide you with information and assistance for fund recovery, particularly with chargebacks. We provide information about the chargeback process and tools that will help you analyze your situation and assess the best strategies for pursuing a chargeback. 


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