How do I dispute a charge on my credit card?

@matteo.zboncak 

Here are some general steps you can follow to dispute a charge on your credit card:

1. Review your credit card statement: Carefully go through your statement and identify the specific charge(s) you want to dispute. Make sure you have valid reasons to dispute the charge, such as unauthorized transactions, incorrect billing amounts, or goods/services not received.
2. Contact the merchant: Before initiating a dispute with your credit card issuer, try reaching out to the merchant directly. Explain the issue and provide any evidence you have to support your claim. Many times, the merchant will be willing to resolve the issue and refund your money.
3. Gather supporting documentation: Collect any relevant documents that can support your dispute, such as receipts, confirmation emails, or any communication with the merchant regarding the disputed charge. These can serve as evidence to support your claim.
4. Contact your credit card issuer: If the merchant does not resolve the issue or you are unable to reach them, contact your credit card issuer. You can find their customer service number on the back of your credit card or on your monthly statement. Inform them about the disputed charge and provide details, including the merchant's name, charge amount, and date.
5. Follow the issuer's dispute process: The credit card issuer will guide you through their specific dispute process. They may ask you to fill out a dispute form or provide additional documentation. Follow their instructions carefully and be sure to include all relevant details accurately.
6. Temporary credit and investigation: After you dispute a charge, the credit card issuer may temporarily refund the disputed amount while they investigate the claim. This is known as a "provisional credit." They will assess the evidence you provided and may contact the merchant to gather more information. The investigation process generally takes a few weeks.
7. Resolution: Once the investigation is complete, the credit card issuer will inform you of the outcome. If they find in your favor, the temporary credit will become permanent. If not, they will notify you and explain their decision. In some cases, you may have the option to appeal the decision if you feel it was not fair.

Remember, it is important to act promptly when disputing a charge to ensure compliance with your credit card issuer's specific timeframes for submitting disputes.

@matteo.zboncak 

To dispute a charge on your credit card, you can follow these steps:

1. Review your statement: Examine your credit card statement carefully and make sure you understand the charge that you wish to dispute. Keep in mind that there may be situations where the charge is legitimate but appears unfamiliar due to a different billing name or location.
2. Contact the merchant or service provider: Before initiating a dispute with your credit card issuer, it is advisable to contact the merchant or service provider directly. Explain the issue and provide any relevant details, such as incorrect charges, damaged goods, or undelivered services. You might be able to resolve the problem directly with them.
3. Maintain documentation: Keep a record of all communications with the merchant, including dates, names of individuals you spoke to, and any relevant emails or correspondence. Having an accurate record will be helpful throughout the dispute process.
4. Contact your credit card issuer: If you were unable to resolve the issue with the merchant, contact your credit card issuer's customer service. You can usually find the number on the back of your card or on your monthly statement. Report the disputed charge and explain the situation, providing all necessary details. The customer service representative will guide you through the dispute process.
5. Submit a written dispute: In some cases, your credit card issuer may require you to submit a written dispute letter rather than resolving the issue over the phone. If needed, inquire about the necessary steps and ask for the appropriate address or email to send your dispute letter.
6. Provide supporting documentation: Include any supporting documentation in your dispute letter, such as receipts, order confirmations, or evidence of attempted resolution with the merchant. This may help prove your case and expedite the resolution process.
7. Monitor the progress: Keep track of your dispute with the credit card issuer, noting any reference numbers, dates, and people you spoke with during the process. Inquire about the timeframe for resolution and any further steps you need to take.
8. Check your statement: Once the dispute is resolved, carefully review your subsequent credit card statements to ensure the disputed charge no longer appears and that any corresponding credits or adjustments have been applied.

Remember, it's crucial to act promptly when disputing a charge to ensure the best chance of resolving the issue successfully.