A. A. <aryaazma@gmail.com>

Schwab Dispute Case# D2026020200038

Arya Azma <aryaazma@gmail.com>Fri, Feb 27, 2026 at 4:59 PM
To: Schwab Disputes Case Management <DCM_NF@schwab.com>
Charles Schwab:

I am providing timely notification for the dispute with case identifier D2026020200038 to remain open. Walmart's provided documentation is fraudulent.

Its pricing for multiple varieties of chicken is per-pound pricing, but its documentation provided via Charles Schwab shows it as static per tray. Walmart lied to Charles Schwab in its documentation. Your documentation shows that Walmart has not provided an itemized receipt for the purchase, and instead lied to Charles Schwab about its sale.

The pricing is unverified and wrong. It is not correct judgment for Charles Schwab to find this in Walmart's favor based on the provided documentation that does not amount to an itemized receipt but rather some kind of inaccurate indication of estimated price taken from an internal system. Delivery orders for future delivery are not weighed at the time the order is placed via the internet application. Walmart is operating grocery delivery in Oklahoma City based on automated computer infrastructure that fails to provide correct item price information and accurate price computation to its customers, and Charles Schwab is responsible for adjudicating the dispute rather than taking Walmart's word that it did everything right. This is not the first time that Charles Schwab has provided unsatisfactory dispute management. The per-pound prices and the number of pounds are not represented at all in the "Merchant Docs_Redacted" PDF file sent to me via email by Charles Schwab this morning.

Walmart hides behind boilerplate language that obfuscates its legal responsibility to abide by correct pricing practices and provide an itemized receipt. "At checkout, the customer agreed to abide by the terms and conditions laid out by Walmart or the appropriate third-party vendor regarding refunds, returns, or customer issues." That is not how it works, and in fact the use of a Visa debit card for the transaction is proof that the statement is a lie being used to shirk Walmart's legal responsibilities regarding pricing, delivery, and documentation. Payment providers impose their terms, and that is a reason that Charles Schwab is able to hear a dispute in the first place. Walmart lied in its provided dispute documentation.

I bought multiple trays of Tyson chicken thighs sold per pound, Tyson chicken legs sold per pound, and not-similarly-branded boneless chicken breast sold per pound. Those chicken trays are supposed to be weighed and priced per pound; every tray can have a different price. They are not individually reflected in the "Merchant Docs_Redacted" PDF file. Walmart did not provide an itemized receipt for the transaction to you or to me. It gave Charles Schwab a pricing list that is not an itemized receipt showing those purchases. That is a fraudulent lie in this financial dispute.

Charles Schwab should revert the transaction with a total of $433.60 because Walmart has failed to provide documentation supporting it.

Arya Azma
Oklahoma City, OK

PS-- We are living in a world where internationally operant companies like Walmart are counting on technology that they put into use without conforming to basic aspects of the law regarding transactions.


On Fri, Feb 27, 2026 at 8:26 AM Schwab Disputes Case Management <DCM_NF@schwab.com> wrote:


Thank you for alerting us to the disputed activity on your account. Please see the attached letter for your current dispute claim status.

Should you need to send us any supporting documentation, please note that acceptable document formats are: PDF, TXT, JPEG, and TIFF.

Thank you for choosing Schwab Bank. If you have any questions, please contact us at 1-888-403-9000, 24 hours a day, 7 days a week.




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