You also only have 60 days from the date that a charge appears on your credit card statement to dispute it. This is not a bad idea except that many merchants will not deal with you fairly. How to Dispute a Credit Card Charge with Chase ©Ĭhase would like you to try to resolve issues with the merchants first. If you have inaccurate or unauthorized charges on your credit card, call us at Michigan Consumer Credit Lawyers at (248) 353-2882 or email us at for a free, no obligation consultation. Our lawsuits cost you nothing out of pocket. If we have to sue the merchant or the credit card company, our fees and costs get paid when we collect from these defendants. Our advice is free and so is the dispute letter. We take the time to understand your complaint and advise you of your rights. We are happy to draft the right dispute letter for you, for free. What to do if the credit card company refuses to credit your account? The banks are taking a hardline position wanting to recoup the funds that they paid to the merchant out of your account and they don’t really care who reimburses them. Still, that does not mean that you should pay for the goods and services that someone else billed to your account. This is still the fastest growing crime in America. The banks have had a large upsurge in charge backs over the past several years due to identity theft. When the credit card companies denies your dispute, call us. Remember, the banks are paying their attorneys on an hourly basis so really, you have an advantage. litigate with the bank with a law firm that will cost you nothing out of pocket. Seriously though, once the bank declines your dispute, you have just 2 options walk away and eat the loss or 2. You were prepared for this since you were smart enough to read this. Chances are strong that it will rule against you (See step 3 above). Step 4 – Get your dispute results from the bank. The reality of these situations is that even if you swear on a stack of bibles that you are telling the truth, the bank will probably side with the merchant, but who knows? You still have to go through this process before you can sue the bank to credit your account. This means that they must contact the merchant to get its side of the story. Step 3 – The bank must conduct a reasonable investigation into your dispute. If you don’t receive an acknowledgment in 2 weeks time, make your dispute again because you only have 60 days from the date that the charge hits your account to dispute it. The credit card company must acknowledge your dispute within 30 days, but with the speed of email, there is no reason why they cannot acknowledge your dispute in 2 weeks. Step 2 Wait no longer than 2 weeks for the acknowledgment. Be sure to capture a screen shot of every dispute and correspondence that you have with your bank. With an online dispute, you can be certain that it will be received by the credit card company. I am not keen on the post office ever since COVID hit because a lot of our mail was never delivered and never returned to us. You can create the dispute online or write a letter if you must. Identify the charge you want to dispute, specifically.īe sure to the the merchant name, date of the charge and amount available to you when you create your dispute. Below is a description of where to send your credit card disputes to if you bank with any of these institutions. Disputing a charge with Discover, American Express, Chase or Citibank is the same 4 step process. The question is where do you send your dispute. The process for charging back a credit card charge with every credit card company is the same. How to dispute a charge with your credit card company. Moreover, ordering goods over the internet can get you goods (or not), that do not look anything like they did in the pictures. Billing errors, identity theft and the occasional sleazy merchant with a credit card machine, can all add charges to your credit card statement that you did not authorize. While merchants and credit card companies bristle at the term “charge back”, you need to know what to do when you order goods and services that are not delivered or not authorized by you. Knowing how to Dispute a credit card charge is vital if you have a credit card account.
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