How to Dispute a Credit Card Charge
A complete guide to disputing unauthorized or incorrect charges on your credit card, including timelines, documentation, and step-by-step instructions.
When Should You Dispute a Credit Card Charge?
You should dispute a credit card charge when you notice an unauthorized transaction, a billing error, or when a merchant fails to deliver goods or services as promised. Under the Fair Credit Billing Act (FCBA), you have the right to dispute charges for billing errors within 60 days of the statement date.
Step 1: Contact the Merchant First
Before filing a formal dispute with your bank, try reaching out to the merchant directly. Many billing issues can be resolved quickly through a simple phone call or email to the merchant's customer service team. Keep records of all communication.
Step 2: Gather Your Documentation
Collect all relevant documentation including your credit card statement showing the charge, any receipts or order confirmations, email correspondence with the merchant, and photos of damaged or incorrect items if applicable.
Step 3: File the Dispute with Your Bank
If the merchant cannot resolve the issue, contact your credit card issuer. Most banks allow you to file disputes online, through their mobile app, or by phone. Provide all documentation and a clear explanation of why you are disputing the charge.
Step 4: Follow Up
Your bank is required to acknowledge your dispute within 30 days and resolve it within two billing cycles (not more than 90 days). You may receive a provisional credit while the investigation is ongoing.