There may be times when we come across a purchase on our statement that doesn’t look right. There are many reasons why a credit card charge is not correct. For these cases, we need to know how to dispute a credit card charge at Chase and thus recover the money charged.
We can dispute any incorrect charge thanks to the Fair Credit Billing Act or FCBA. Also, if there was a problem with the good or service we received. Fortunately, at Chase, the process is fairly simple for our credit cards, but we must know what charges may be disputed.
What are the reasons to dispute a charge on a Chase credit card?
When we are going to dispute a credit card charge, we need to be clear that there are three main reasons why these disputes can be made. These will be:
Fraud
Fraud is an unauthorized charge on a Chase statement, and we will typically be liable for up to $50 for unauthorized charges on the card. But, almost all credit card companies offer zero liability protection.
For this reason, we will have no liability whatsoever for using Chase credit cards for unauthorized charges. These charges happen when someone steals our credit card information, so it’s best to apply for a new Chase replacement card.
Billing Error
Billing errors have to do with charges that have been made incorrectly. However, we should note that the merchant’s name will not always match the name of the merchant’s store or website.
It is important to note that it is always worth double-checking the charge before it is assumed to be an error. If a billing error occurs, the merchant may or may not reverse it. If it is not automatically reversed, we may dispute the charge, and a chargeback may be made.
Problems with a purchase
If we have a problem with a Chase product or service, we may dispute the charge on the credit card. However, as provided by law, we must first attempt to resolve the problem with the merchant. When a resolution is not reached, the next step will be a dispute with the credit card issuer.
A wide range of problems could lead to disputing these charges, such as when the order is never shipped, the product arrives broken, or the service is performed incorrectly.
What to do before disputing a charge?
Before the dispute process is initiated, we should always contact the merchant who made the charge. It is very important if there is a problem with the purchase, and we may even be able to reach an agreement without disputes.
If we eventually need to dispute the charge, we should gather documents to support our claim. These documents can be receipts, invoices, correspondence from the merchant, or evidence that the quality of the purchase is not what it should be.
What is the process for disputing a credit card charge with Chase?
The easiest way to dispute a charge with Chase is to go online through their platform and follow these steps:
- We must log in to our account and go to the Chase Credit Cards section.
- We select the card account with the transaction to be disputed.
- So, we find the charge in the transaction list. We can see all the transaction details in the arrow next to the amount.
- Click on “Dispute transaction.”
- We fill in the dispute form.
In the form, we must know if we are disputing the total amount or a part of it, and it has a series of questions about the reason for the dispute.
We can dispute these credit card charges over the phone by calling the phone number on the back of the Chase card.
What happens when we dispute a Chase credit card charge?
When a transaction is disputed, it is frozen and will not need to be paid while the dispute is in progress. Therefore, we won’t lose this money while the credit card issue is resolved.
If necessary, a Chase representative will contact us for more information. Once a decision is made, we will receive a letter telling us whether we won or lost the dispute. In each case, the following will happen:
- Successful Dispute: when we win the dispute, the charge will be completely removed from the statement, and a chargeback will be made for the transaction amount.
- Unsuccessful Dispute: In these cases, Chase will re-bill the amount in question. We can appeal this decision, and we should ask Chase how the appeal process is initiated.
How long do we have to dispute a charge?
As stipulated in the Fair Credit Billing Act, all consumers have the right to dispute charges that have been made within the previous 60 days. However, many card issuers allow us to dispute charges even after 60 days.
But, it is always best to file a dispute as soon as possible to ensure that the card issuer will accept the dispute. In most cases, the odds will always be in our favor if there is a legitimate reason for the dispute.
However, there is no guarantee of a successful dispute, especially on items marked “all sales are final.” But, Chase will make every effort to recover our money as long as there is a valid reason to do so.