What the Chargeback 911 Data Index Means for Online Auctioneers

Chargeback911 has been a trusted source of e-commerce information for all AN sellers. Recently, this expert resource did the data hunting and came to some interesting conclusions. Below, we have taken key points of their 2025 data index and expanded on key concepts that are relevant to AN sellers. 

3 Key Facts and How they might Impact YOU

1: About 9 in 10 people trust their bank to handle fraud claims properly. When fraud is reported, banks launch an immediate investigation, temporarily reverse unauthorized charges, and work with payment networks to resolve the issue. Many also offer zero-liability protection, ensuring customers aren’t held responsible for fraudulent transactions.

2: Among respondents who had recently submitted a claim, 87% expressed satisfaction with the dispute resolution process. When a customer files a dispute, the bank begins by gathering details and documentation. The investigation will also take seller documentation into consideration, assuming said documents are readily available (either by contacting the merchant and requesting said documentation OR if the documentation is available online). Once a decision is made, both parties are notified. If the claim is upheld, the funds are permanently returned to the customer.  

3: Over 75% of respondents say they prefer resolving transaction disputes through their bank rather than dealing directly with the merchant. According to this data, customers are reluctant to contact merchants directly. This likely relates to inconsistent merchant policies and varying levels of customer service. While some merchants offer streamlined refund or dispute processes, others have restrictive return windows, unclear terms, or slow response times.

Top 4 Reasons that Consumers File Disputes: 

Quick Stats: 

-Women dispute roughly 20% more transactions than men. 

-U.S consumers dispute more charges than their UK counterparts. 

-The average dispute amount in the U.S is around $84. 

In short: the name of the game is prevention. Offering customer service, prompt response times, and documenting all associated policies will reduce your chargeback percentage. 

If you want to read the full report, CLICK HERE! 

Written by:

Juli Dupont

July 14, 2025     Updated 02:07 PM

Juli is the customer success guru at AuctionNinja, specializing in helping sellers achieve maximum success on the platform. With a background in the estates and acquisitions department at AuctionNinja's parent company, BRG, Juli possesses a deep understanding of the challenges and dynamics of the auctioneering and estate selling industry. Her expertise makes her the go-to person for sellers navigating the ever-changing marketplace. Juli holds a Bachelor of Arts degree in English.

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