Not as Described or Defective

Visa 13.3 is filed when a buyer claims the item materially differs from your product page, or arrived damaged. The customer is usually required to attempt a return first — if they didn't, you have a strong defense.

What you need to win

• ▸Product page screenshot at time of purchase
• ▸Return/refund policy and proof customer agreed
• ▸Communication log showing customer never contacted support
• ▸Photos or QA records of the item before shipping
• ▸If the customer kept and used the product — that's evidence they accepted it

How to actually do it

1. 01. Capture the live product page (Wayback Machine if you've changed it since).
2. 02. Show your return policy and prove the customer never opened a return.
3. 03. Provide pre-shipment QA photos or the manufacturer's spec sheet matching the description.
4. 04. Emphasize the customer's silence — they went straight to the bank.