Credit Card Companies Deny Fraud Disputes for Unlicensed Practitioner Charges

Consumers who paid thousands to someone falsely presenting themselves as a licensed medical practitioner find credit card issuers like Citi denying fraud chargebacks on procedural grounds, despite clear evidence of misrepresentation. The gap between what constitutes fraud and how card dispute processes categorize professional service claims leaves consumers without recourse for substantial losses to unlicensed practitioners. Repeat submission requirements and non-substantive denials compound the harm.