Have you ever looked at your credit card statement and spotted a charge that didn’t make sense? Maybe it was a purchase you didn’t make, a double charge, or something that just felt off. Don’t worry.
Disputing a credit card charge is easier than you might think. In this guide, I’ll walk you through the process step by step. By the end, you’ll know exactly what to do, when to do it, and how to protect your money. Let’s dive in.
Table of Contents
What Does It Mean to Dispute a Credit Card Charge?
Disputing a credit card charge means you’re telling your credit card company that you believe a transaction on your account is incorrect. This could be due to fraud, a billing error, or a problem with a product or service.
The good news? Federal laws, like the Fair Credit Billing Act (FCBA), protect you and give you the right to challenge these charges. But there’s a process to follow, and it’s important to get it right.
Why You Might Need to Dispute a Charge
There are plenty of reasons you might need to dispute a charge. Here are some common ones:
- Unauthorized charges: Someone used your card without permission.
- Billing errors: You were charged twice or for the wrong amount.
- Non-delivered goods or services: You paid for something that never arrived.
- Defective products: The item you received was broken or not as described.
- Subscription issues: You canceled a subscription, but you’re still being charged.
If any of these sound familiar, it’s time to take action.
Step-by-Step Guide to Disputing a Credit Card Charge
Let’s break down the process into clear, manageable steps. Follow these, and you’ll be on your way to resolving the issue.
Step 1: Review Your Credit Card Statement
The first thing to do is check your statement carefully. Look for the charge in question. Make sure it’s not a mistake on your part. Sometimes, a merchant’s name might appear differently on your statement, or you might forget about a small purchase. If you’re sure the charge is wrong, note the date, amount, and merchant name.
Step 2: Gather Evidence
Before you contact your credit card company, collect any proof that supports your case. This might include:
- Receipts or order confirmations.
- Emails or messages with the merchant.
- Photos of defective products.
- Screenshots of your account showing unauthorized activity.
Having this information ready will make the process smoother.
Step 3: Contact the Merchant First (If Possible)
In many cases, reaching out to the merchant can resolve the issue faster. For example, if you were double-charged or didn’t receive an item, the merchant might refund you directly. Here’s how to approach it:
- Call or email the merchant’s customer service.
- Explain the issue calmly and clearly.
- Provide any evidence, like receipts or order numbers.
- Ask for a refund or correction.
If the merchant refuses to help or you can’t reach them, move on to the next step.
Step 4: Notify Your Credit Card Issuer
If the merchant doesn’t resolve the issue, it’s time to contact your credit card company. Most issuers have a specific process for disputes. Here’s what to do:
- Call the number on the back of your card. Speak to a representative and explain the problem.
- File a dispute online. Many issuers, like Chase or American Express, let you submit disputes through their website or app.
- Write a letter (if required). Some issuers ask for a written dispute letter. Include your name, account number, the disputed charge details, and why you believe it’s incorrect.
| Credit Card Issuer | Dispute Contact Info | Online Dispute Option |
|---|---|---|
| Visa | Call number on card | Yes, via issuer’s website |
| Mastercard | Call number on card | Yes, via issuer’s website |
| American Express | 1-800-528-4800 | Yes, via Amex portal |
| Discover | 1-800-347-2683 | Yes, via Discover app |
Step 5: Follow the Deadlines
Timing is critical when disputing a charge. Under the FCBA, you have 60 days from the date of the statement with the error to file a dispute. Miss this window, and you might lose your right to challenge the charge. Mark your calendar and act quickly.
Step 6: Monitor the Investigation
Once you file a dispute, your credit card issuer will investigate. This usually takes 30 to 90 days. During this time:
- The issuer may place a temporary credit on your account for the disputed amount.
- They’ll contact the merchant for their side of the story.
- You might be asked for more information, so stay responsive.
Keep an eye on your account and check for updates.
Step 7: Review the Outcome
After the investigation, the issuer will let you know their decision. If they rule in your favor, the charge will be removed, and any temporary credit will become permanent. If they deny your dispute, they’ll explain why. If you disagree with the decision, you can appeal or take further action, like contacting the Consumer Financial Protection Bureau (CFPB).
Tips for a Successful Dispute
Want to increase your chances of winning a dispute? Here are some practical tips:
- Act fast. The sooner you report the issue, the better.
- Be polite but firm. Whether you’re talking to the merchant or your issuer, stay calm and professional.
- Keep records. Save all emails, letters, and notes from phone calls.
- Check your account regularly. Spotting errors early makes disputes easier.
- Know your rights. The FCBA gives you protections, so read up on them if needed.
What Happens During a Dispute?
When you dispute a charge, your credit card issuer takes it seriously. They’ll look at your evidence and the merchant’s response. Here’s a quick look at the process:
| Stage | What Happens | Timeline |
|---|---|---|
| Filing the Dispute | You submit the dispute with details. | Within 60 days |
| Temporary Credit | Issuer may credit your account temporarily. | Within a few days |
| Investigation | Issuer reviews evidence from you and merchant. | 30–90 days |
| Resolution | Charge is removed or upheld. | After investigation |
This process is designed to protect you, but it requires patience.
Common Mistakes to Avoid
Disputing a charge is straightforward, but it’s easy to make mistakes. Here’s what to watch out for:
- Waiting too long. Missing the 60-day window can ruin your case.
- Not providing enough evidence. The more proof you have, the stronger your dispute.
- Ignoring follow-ups. If your issuer asks for more info, respond quickly.
- Disputing legitimate charges. Make sure the charge is actually incorrect before filing.
When to Escalate the Issue
If your dispute is denied and you believe the decision is unfair, don’t give up. You can:
- Appeal to your issuer. Ask for a second review and provide more evidence.
- File a complaint with the CFPB. They can investigate if you think the issuer mishandled your case.
- Contact your state’s consumer protection agency. They may offer additional help.
FAQs: How do You Dispute a Credit Card Charge
Q. How long do I have to dispute a credit card charge?
A. You have 60 days from the date of the statement with the error to file a dispute.
Q. Can I dispute a charge if I used a debit card?
A. Debit card disputes are trickier because they’re not covered by the FCBA. Contact your bank quickly, as protections vary.
Q. Will disputing a charge hurt my credit score?
A. No. Disputing a charge doesn’t affect your credit score, as long as you pay your bill on time.
Q. What if the merchant agrees to refund me after I file a dispute?
A. Tell your credit card issuer immediately. They’ll likely close the dispute if the issue is resolved.
Wrapping It Up
Disputing a credit card charge might sound intimidating, but it’s a process you can handle. By acting quickly, gathering evidence, and following the steps I’ve outlined, you can protect your money and resolve issues with confidence.
Whether it’s a fraudulent charge, a billing error, or a product that never arrived, you have rights as a cardholder. Use them wisely.
If you’re ever unsure, don’t hesitate to contact your credit card issuer for guidance. They’re there to help. Now that you know the process, you’re ready to tackle any questionable charge that comes your way.
Disclaimer: This blog is for informational purposes only and does not constitute legal or financial advice. Always consult with your credit card issuer or a professional for guidance on specific disputes. Laws and policies vary by issuer and region, so verify details before taking action.
About The Author
