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How Does Credit Card Dispute Work Infographic

what happens when you dispute a charge

Have you ever found charges you did not make on your credit card? Or, have you been billed for merchandise you did not receive? Have you ever experienced a payment not being posted to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the credit card dispute process. Our handy infographic will walk you through how credit card dispute works, and help you understand your rights during the credit card dispute process.

how does credit card dispute work

 

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6 Responses to How Does Credit Card Dispute Work Infographic

  1. Angel Hernandez says:

    Hi my Nordstrom card was charged a very large amount twice in the same day. The credit card was in my possession when I went to pay my bill I saw this high transaction and I had reported they put the amount back into my account. Now they took the amount back and I am being charged I don’t understand why and how it was possible for them to charge me for something I didn’t buy I would think they would call before making such a big transaction twice in the same day. Now I am being charged can you please help me what can I do I can’t be paying for something I didn’t commit

    • Tracy East says:

      Hi Angel – I’m sure it is frustrating to think the issue was resolved and then find out it was not! Before you do anything else, I would contact the creditor and make sure there was not a simple billing error that caused the second issue. Sometimes, speaking to a customer service rep is all it takes to resolve an issue like this. If that doesn’t work, ask to speak to a manager and explain what has happened to them. It’s helpful if you keep records of everyone you spoke to and when so you have a clear picture of all the communications you have had with the creditor. If that doesn’t resolve the issue, you can then begin an official dispute of the charge. Best of luck – let us know how it turns out!

  2. Michele says:

    In my case, i being ripped off by a online furniture merchant & unfortunately, the credit card company has sided on behalf of merchant. I received copy of letter merchant sent to CC company. However, I discovered the merchant wrote a false statement, that I’m sure is what decided the outcome “The delivery co contacted customer to schedule delivery date, however he refused & cancelled order”.
    So, I ordered a copy of the cell phone call log for both my contact #s to prove their was never any contact by the delivery company or merchant. Today, I sent CC company a response letter with the proof…
    Do you think they will review this information proving the merchant statement is false?

    • Tracy East says:

      Hi Michele – it’s so frustrating to have a situation like this happen. It can take a lot of time to resolve, but it sounds like you are on the right track. I can’t say for sure whether the credit card company will respond in your favor, but with proof that you had no contact with the delivery company, you stand a much better chance of having the issue resolved in your favor. Kudos for staying on top of doing whatever you need to do to resolve the matter. Let us know how it turns out!

  3. David says:

    I need help. I have been disputing unauthorized charges on my Pay Pal Mastercard since October. The creditor is not crediting my account for the unauthorized charges. I have submitted a letter, made several calls and sent faxes. I don’t know what to do next. The have responded by saying the claim has been closed and I am responsible for the charges. I have never ordered any merchandise from the merchants that collected the unauthorized charges. What are my options?

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