What is the process for disputing a transaction on a Citizens Financial Group credit card?

@tess.kassulke 

To dispute a transaction on a Citizens Financial Group credit card, you can follow these general steps:

1. Gather information: Collect all relevant details related to the transaction you want to dispute. This includes the date, amount, merchant name, and any supporting documents or evidence (e.g., receipts, emails, or communication).
2. Contact the merchant: Before initiating a dispute, try reaching out to the merchant to resolve the issue directly. Explain the problem and attempt to resolve it amicably. Sometimes, misunderstandings or errors can be resolved without involving the credit card issuer.
3. Contact Citizens Financial Group: If your attempt to resolve the issue with the merchant was unsuccessful, you can contact Citizens Financial Group directly. The specific contact information will be available on the back of your credit card or on the card issuer's website. Alternatively, you can call Citizens Financial Group's customer service number to inquire about the disputes process.
4. Provide necessary information: When contacting Citizens Financial Group, be prepared to provide all the details related to the disputed transaction. This includes the transaction information, the reason for the dispute, and any supporting documents. Be clear and concise in explaining the situation.
5. Temporary credit: In some cases, Citizens Financial Group may offer a temporary credit while investigating the dispute. This credit ensures that you are not immediately responsible for the disputed amount while the investigation is ongoing.
6. Investigation and resolution: Citizens Financial Group will initiate an investigation into the disputed transaction. They will review the details provided, contact the merchant, and analyze the evidence. The process may take several weeks or months to reach a resolution. During this time, be responsive to any additional information or requests from Citizens Financial Group.
7. Final resolution: Once the investigation is complete, Citizens Financial Group will inform you of their final decision. If the dispute is resolved in your favor, any temporary credit provided will be made permanent. If the dispute is not resolved in your favor, you may have the option to appeal the decision or explore other avenues to address the issue.

Note: The exact process and policies may vary slightly depending on the specific credit card and financial institution. It is crucial to refer to your credit card terms and conditions or contact Citizens Financial Group for precise instructions and guidance on disputing a transaction.