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How to Get a Refund from Costco

Step-by-step guide to getting your money back from Costco

90-day refund windowVisit websiteMerchant Guide

Quick Answer: Costco Refund Policy

Refund Window
90 days
Refund Method
Original payment method
Key Condition
Must contact support first

View Costco's official refund policy →

Costco Refund Policy

About Costco Charges

Costco is a warehouse club that may appear on your bank or credit card statement as COSTCO WHSE. If you see an unfamiliar charge from Costco, it could be related to a purchase you made, a recurring subscription, a free trial that converted to a paid plan, or an unauthorized transaction.

Before requesting a refund, verify the charge by checking your Costco account at https://www.costco.com for recent orders, subscriptions, or billing history.

Costco Refund Policy

Costco generally allows refunds within 90 days of your purchase.

  • Refund Window: 90 days
  • Eligibility: Most purchases that meet Costco's refund criteria can be refunded to your original payment method.
  • Processing Time: Refunds typically take 5–10 business days to appear on your statement, depending on your bank.
  • Exceptions: Some items, digital content, or promotional offers may not be eligible for refunds. Check Costco's terms of service for details.

How to Contact Costco

📞 Phone: 1-800-774-2678

🌐 Website: https://www.costco.com

💬 Live Chat: Visit Costco's help center or support page to access live chat (if available).

📧 Email/Support Form: Submit a support request through Costco's official help center.

Step-by-Step: How to Get a Refund from Costco

  1. Review the charge — Log in to your Costco account and find the purchase in question. Note the date, amount, and order/transaction ID.
  2. Check refund eligibility — Review Costco's refund policy to confirm your purchase qualifies for a refund.
  3. Request a refund online — Navigate to Costco's help or support section. Look for a "Request Refund" or "Report a Problem" option.
  4. Contact support directly — If the online option doesn't work, call Costco at 1-800-774-2678. Explain the issue clearly and provide your order/transaction details.
  5. Follow up — If you don't receive a response within 48 hours, follow up. Keep records of all communications.
  6. Check your statement — Once approved, monitor your bank or credit card statement for the refund. It may take 5–10 business days.

If Costco Won't Refund You

If Costco denies your refund request and you believe the charge is unauthorized or the service was not as described, you have the right to dispute the charge with your bank or credit card company.

  • File a chargeback — Contact your bank or card issuer and request a chargeback for the Costco charge. You typically have 60–120 days from the statement date.
  • Gather evidence — Collect screenshots, emails, and any communication with Costco to support your dispute.
  • Use Refunder.ai — Our free dispute wizard can help you draft a professional dispute letter and guide you through the chargeback process.

Need help with your bank? Check our bank chargeback guides for step-by-step instructions specific to your bank.

Official refund policy

View Costco's full refund policy

How to Get a Refund from Costco: Step-by-Step

Follow these steps in order to maximize your chances of getting your money back.

  1. 1

    Log in to your account

    Visit Costco's website and sign in to the account used for the purchase you want to refund.

  2. 2

    Find your order

    Navigate to your order history or "My Orders" section. Locate the specific item or order you wish to return or get a refund for.

  3. 3

    Submit a refund request

    Look for a "Return", "Refund", or "Help" option next to your order. Fill out the refund request form with the reason for your return.

  4. 4

    If denied, contact support directly

    If your online request is rejected, reach out to Costco support or call 1-800-774-2678. Explain your situation and ask for escalation to a supervisor.

  5. 5

    File a chargeback with your bank

    If Costco refuses a valid refund, contact your bank or credit card issuer to dispute the charge. You have up to 60-120 days from the statement date to file.

  6. 6

    Escalate if needed

    For persistent issues, file a complaint with the Better Business Bureau (BBB), your state Attorney General, or the CFPB at consumerfinance.gov/complaint.

Common Refund Situations

Select the scenario that best describes your situation with Costco.

Subscription charged after cancellation

You cancelled your Costco subscription but were still billed the following month. This is a common issue — contact support with proof of cancellation.

Defective or damaged product received

Your order arrived broken or not working as described. Costco is generally required to offer a refund or replacement for defective items under consumer protection law.

Order never arrived

Your package was marked as delivered but never arrived, or was significantly delayed beyond the estimated date. File a non-delivery claim with Costco immediately.

Item not as described

The product you received doesn't match what was advertised on Costco's website — wrong color, size, or features. This qualifies for a refund under most consumer protection laws.

Unauthorized charge on your account

You see a charge from Costco that you didn't authorize. Report this immediately to both Costco and your bank — this may qualify as fraud.

Changed your mind / buyer's remorse

You want to return an item you no longer need. Success depends on Costco's return policy — act quickly as most merchants have a limited return window.

Contact Costco Directly

Before filing a formal dispute, try reaching out to Costco directly. Many issues can be resolved faster this way.

Phone

1-800-774-2678

Website

Visit support page

Costco Refund Timeline

Here's what to expect after you submit your refund request.

1

Day 0

Request Submitted

You submit your refund request online or via customer support.

2

Days 3–5

Processing

The merchant reviews your request and approves or escalates it.

3

Days 5–10

Under Review

Refund is being processed by the merchant's finance team.

4

Days 10–14

Credit Issued

Funds are returned to your original payment method.

* Timelines vary by merchant and payment method. Credit cards typically process faster than bank transfers.

If Costco Refuses Your Refund

You have rights. If the merchant won't cooperate, here's your escalation path — in order of ease and effectiveness.

Step 1.File a chargeback with your bank

Contact your credit card issuer or bank and dispute the charge. Provide documentation of your refund attempt. You typically have 60–120 days from the charge date.

Learn how to file a chargeback →

Step 2.File a BBB complaint

Submit a complaint to the Better Business Bureau (BBB). Many companies respond quickly to BBB complaints to protect their rating.

File a BBB complaint →

Step 3.Contact your state Attorney General

File a consumer complaint with your state AG office. This creates a legal record and may prompt an investigation if the company has a pattern of violations.

Find your state AG →

Step 4.Report to the CFPB

Submit a complaint to the Consumer Financial Protection Bureau (CFPB). They track complaints against financial services and can take regulatory action.

File a CFPB complaint →

Want help with a chargeback? Our dispute experts can guide you through the process and write your dispute letter. Start your free case →

Frequently Asked Questions: Costco Refunds

How do I get a refund from Costco?
Log in to your Costco account, find the charge, and request a refund through their help center. You can also call Costco at 1-800-774-2678 for assistance.
What is Costco's refund policy?
Costco's refund window is 90 days. Eligibility depends on the type of purchase and Costco's terms of service.
How long does a Costco refund take?
Once approved, Costco refunds typically take 5–10 business days to appear on your statement.
What does Costco look like on my bank statement?
Costco charges may appear on your statement as COSTCO WHSE.
Can I dispute a Costco charge with my bank?
Yes. If Costco won't refund you, contact your bank or credit card issuer to file a chargeback. You usually have 60–120 days from the statement date.

More Merchant Refund Guides

We cover hundreds of merchants to help you navigate their refund policies.

More merchant guides coming soon. Need help now? Start a dispute →

Can't Get Your Costco Refund?

If Costco has refused your refund or isn't responding, we'll help you build a strong dispute case — including a professional chargeback letter your bank will actually act on.

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