Most often, after collecting your reason for disputing the charge and supporting documentation, your bank will submit your chargeback to the merchant. This happens most often with small purchases, where the overhead of contacting the merchant and investigating the chargeback would be far greater than the amount of the purchase. Sometimes your credit card issuer will give you an account credit for the amount you dispute. Your bank will also either post a temporary credit to your account for the disputed amount or pause required payments and interest on the disputed amount. ![]() What Happens When You Submit a Chargeback?Īfter you have submitted your chargeback request, your bank will provide written confirmation of your request. Naturally, submitting a chargeback request by mail is likely to take longer than initiating the process online or by telephone, especially if you are required to submit supporting documentation. Depending on the nature of your chargeback request, the credit card company may request that you also submit supporting documentation via mail or through a form on its website.įinally, you can always submit your chargeback request in writing to your credit card’s address for “Billing Inquiries.” Note that this address is usually different from the address where you send your credit card payments. Some banks also offer an online customer service chat that can assist you. If submitting your chargeback request online is not an option, you can call your bank via the phone number on the back of your credit card or customer service phone number. If you can not find this easily, search the bank’s online help pages for “Dispute a charge” or “Chargeback.” While many chargebacks can be initiated online, your bank may require a phone call for large chargebacks or for chargebacks requiring additional documentation. Usually, you will have the ability to dispute a charge through the web page listing all of your transactions. Many larger banks will allow you to initiate or process most disputes entirely online. Often the easiest way to submit a chargeback request is through your bank’s website. Regardless of how you initiate your chargeback request, your bank will walk you through providing the information they require. To dispute a charge and submit a chargeback, you must identify the transaction in question and work with your credit card issuer to initiate the process. Fortunately, many credit cards offer these additional protection for consumers. Generally, chargeback abilities are limited to 120 days from the date of purchase and are not meant as a way to protect against loss, damage or theft after a product has been delivered or as an extended return protection or warranty benefit.
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