On Nov. 2, Citi proclaimed itself the first financial institution to allow cardholders to dispute charges from within a mobile app. I applaud the effort, but one aspect of the way Citi did it is certain to aggravate a big chunk of the merchant community.

Many cardholders who call their card issuer to dispute a transaction simply don’t recognize the charge, though it may be legitimate nonetheless. This happens when, for example, you buy gas on a trip and don’t realize that charges from that gas station are going to show up on your statement as something such as “Acorn Properties,” a name that was nowhere in view at the gas station. 

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