FAQs
If asking the merchant for a refund didn't work, request a chargeback with your credit card issuer. Many card issuers let you dispute transactions by phone, mail or online. You may also be able to submit a dispute directly through your card issuer's mobile app.
How do I dispute a transaction and get my money back? ›
Contact your bank to make a claim
Contact your bank to discuss your situation. A good place to start is to visit their website and look for details on 'disputed transactions' or 'chargeback claims'.
Can I dispute a charge on my debit card? ›
Contact Your Credit or Debit Card Company
You must notify your credit or debit card company of any error you're disputing within 60 days of the date that the first statement on which the charge appears was sent to you.
How do I dispute a refund transaction? ›
A chargeback is like a refund - it reverses a transaction made on a debit or credit card. Chargeback is a term used by credit and debit card providers. A chargeback takes place between the cardholder's and retailer's banks.
What kind of transactions can I dispute? ›
A transaction dispute is a consumer complaint related to a credit or debit card purchase. Transactions are most commonly disputed because of fraud (unauthorized charges) and a lack of merchant follow-through (merchandise not as expected, services not performed, credit not issued, etc.).
Can I dispute a charge that I willingly paid for? ›
The short answer is yes, in some circ*mstances, you can dispute credit card charges you willingly made and paid for. This is in accordance with the Fair Credit Billing Act, which affords consumers some protections regarding their credit purchases.
What can I do if a company won't give me a refund? ›
These strategies and this sample complaint letter can help you get your money back or reach another resolution.
- Go Back to the Store or Website.
- Write a Letter.
- Get Outside Help.
- Post an Online Review.
- Consider Dispute Resolution Alternatives.
How Long Do You Have to Dispute a Credit Card Charge? In most cases, you have 60 days from when a charge appears on your credit card statement to dispute it. However, if fraud is involved, there's not a time limit.
What to say to dispute a charge? ›
Include all of the following:
- Your name and credit card number;
- State that you are asserting claims and defenses and are within your one-year deadline to do so;
- The amount and date of the disputed charge, the name of the seller, and a description of what the charge is for;
The merchant is simultaneously notified that they've received a dispute from the cardholders, and that the acquiring bank has debited funds from the merchant account to reimburse the cardholder for the transaction and to cover the fees for investigating the chargeback.
Generally, you'll have two options when disputing a transaction: refund or chargeback. A refund comes directly from a merchant, while a chargeback comes from your card issuer. The first step in the dispute process should be to go directly to the merchant and request a refund.
Can I get my money back if I paid by debit card? ›
Debit cards and chargeback
Debit card payments and purchases aren't covered by section 75 of the Consumer Credit Act. But if you don't get something you have paid for by debit card, and the firm is refusing to refund you, you can ask your bank to 'reverse the transaction' and get your money back via chargeback.
What to do if you paid for something and never received it? ›
Reach out to the Seller
The first thing to do when a problem arises is to communicate with the seller that you have not received the item you purchased. Most of the time, they will agree to give you a full or partial refund. If this doesn't work, then it is time to escalate the problem.
How do I dispute a charge on my debit card? ›
Contact your bank or credit union to dispute the charge.
Let them know you want to dispute a debit card charge. Depending on where you bank, you may be able to start a dispute online, over the phone, or in writing.
What kind of debit order that Cannot be disputed? ›
DebiCheck debit order
You approve this debit order once. However, if a DebiCheck mandate changes, you will need to reapprove it. If there is a valid DebiCheck debit order and mandate: You can't dispute the debit order if the money deducted from your account matches the mandate.
Do banks usually accept disputes? ›
A bank might deny a dispute if their investigation finds the transaction was authorized, correctly processed, or falls within the agreed terms of service, indicating no error or fraud occurred. Additionally, insufficient evidence provided by the disputing party to support their claim can also lead to denial.
Can a disputed transaction be reversed? ›
A chargeback reversal is the process where a previously issued chargeback is overturned, returning the disputed funds to the merchant's account. This typically occurs when the merchant successfully challenges the validity of the chargeback by providing compelling evidence to the issuing bank.
Can you get your bank to reverse a transaction? ›
A payment reversal can be initiated by the cardholder, merchant, issuing bank, acquiring bank, or card network. There are lots of reasons why a payment reversal may take place, such as: product is no longer in stock.
What to do when a company refuses to refund you? ›
Typically, you would not be entitled to more than the refund of the cost. However, you may want to make a consumer complaint with the state attorney general's office. They will contact the store and take appropriate action. Sometimes a call from the AG's office will motivate better customer service.
How long back can I dispute a transaction? ›
What's the Time Limit for Filing a Chargeback? Each card network and issuing bank sets its own time limits for filing a chargeback, but U.S. law sets a minimum time limit of 60 days. Most banks give cardholders 120 days to dispute a charge.
