In either case, you would first want to contact the merchant and request a refund.īut if for whatever reason the merchant fails to provide that refund, you would be well within your rights to file a dispute for that transaction with Chase. Or perhaps your ordered an item online but then never received the item. For example, say you purchase a product from an online merchant, and when the item arrived it was damaged or unusable.
Occasionally, you might purchase a good or service and feel that the merchant did not fulfill its end of the transaction. If you’re certain that the charge is fraudulent then you need to contact Chase immediately so that they can send you a new credit card with a new account number. When you notice a charge on your credit card statement that you did not make, first speak with your family members or any authorized users that might have access to your credit card to make certain they didn’t make the charge. So if someone steals your credit card information and runs up a large bill, you won’t be liable for any of it. The Chase terms of service state that cardholders have $0 in liability for any fraudulent charges made on their card. If your credit card was used for a transaction that you did not make, then that would constitute a fraudulent charge. Here are some of the most common, and valid, reasons for filing a charge dispute on your card. Of course, in order to dispute a charge on your credit card, you need to have a good reason for doing so. What Are Examples of Charges That You Should Dispute? So let’s take a look at the types of charges that might be eligible to dispute and how you can file one. If you’ve determined that the charge is incorrect, what should you do? Well, the Fair Credit Billing Act (FCBA) gives you the ability to dispute any charge that you feel is inaccurate or if there was a problem with the good or service you received.įortunately, Chase makes the process pretty simple for its credit card customers. Whether it is an item you feel you were charged too much for, or even something you don’t recall purchasing, you’re going to want to investigate whether the charge is accurate. At times, you might come across a purchase on your credit card statement that just doesn’t seem correct.
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