How to Dispute a Credit Card Charge with Chase
Disputing a credit card charge with Chase is a process that every cardholder should be aware of. This can be for instances like fraudulent or unauthorized charges, billing errors, or discrepancies in the transaction. The following guide will walk you through the steps to take when disputing a credit card charge with Chase.
Step 1: Review your transaction history
Before initiating a dispute, it’s essential to double-check your transaction history. Ensure that the charge in question isn’t merely an unrecognized merchant name or delayed billing from a previous purchase. Review each transaction carefully and gather any related documentation or receipts.
Step 2: Contact the merchant
If possible, reach out to the merchant who processed the charge. Often, issues can be resolved quickly by contacting them directly, without involving the bank. In some cases, they may even issue a refund without needing further intervention.
Step 3: Initiate the charge dispute with Chase
If you cannot resolve the issue with the merchant, or if you suspect fraud, contact Chase as soon as possible. You can start a dispute within 60 days after the statement closing date for any unauthorized or questionable transactions. Here’s how:
– Online: Log in to your Chase account, go to ‘Account activity,’ and click on ‘Dispute’ next to the transaction you want to dispute.
– Through their app: Open the Chase mobile app, select your credit card account, tap ‘Transaction details,’ and then tap ‘Dispute this transaction.’
– By phone: Call Chase customer service at 1-800-432-3117 and inform the representative about your dispute.
Step 4: Provide necessary information and documents
When filing a dispute with Chase, you need to provide as much information as possible about the transaction in question. This may include:
– Transaction date and amount
– Merchant name
– Reason for disputing the charge
– Supporting documents like receipts or emails
Step 5: Wait for Chase’s investigation
Once you’ve submitted your dispute, Chase will start an investigation that may take up to 90 days. During this time, you may receive provisional credit while they determine if the charge is valid or not. Keep an eye on your statement to monitor any updates.
Step 6: Understand the dispute resolution
After the investigation, Chase will inform you of their decision. If they determine that the charge was indeed invalid, the provisional credit will become permanent, and your statement will be adjusted accordingly. However, if they decide that the charge was valid, you’ll be responsible for paying it, and any provisional credit provided will be reversed.
Disputing a credit card charge with Chase is a relatively straightforward process that ensures your financial security. By following these steps and working closely with both the merchant and Chase, you can effectively resolve any erroneous or fraudulent charges on your account.