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Having an issue or problem with a credit card charge?

Having concerns about a merchant charge to your debit or credit card?

If you see a charge you don’t recognize and think it may be fraud, learn more here.

COVID-19 Update:

If your dispute is related to travel, we recommend that you start with your travel provider because many airlines and hotels are being flexible about impacted areas. If your trip has been cancelled and your travel provider hasn't correctly applied their change/cancellation policy, you can submit a billing dispute online.

For disputes on your checking, savings or pre-paid account, or to report a fraudulent transaction on these accounts, print and complete this form (PDF) and send it to us.

Here’s a quick way to resolve your concerns:

1. Review the details of the charge

You can review transaction details on your account such as the merchant's name, phone number and your past activity with the merchant.

How to access more details about your transaction

2. Contact the merchant

Merchants can resolve charge errors within a few days, where it can sometimes take banks weeks to resolve. As a reminder, keep track of the date you contacted the merchant and any additional information they provide.

Tips to get the most out of your conversation with the merchant:

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How to make it count:

  1. Tell the merchant the date of the transaction, amount, and your concern
  2. Ask for a solution and next steps
  3. Note the merchant's response

Here's what you might want to write down:

  • The date and time you contacted the merchant
  • The name of the person you interacted with
  • The date you expect to see an adjustment
Dispute Transactions on Chase.com videoOpens Overlay

3. Still not resolved? We'll look into it

If the error hasn't been resolved, sign in to your Chase account, find the transaction, choose the arrow and follow the instructions to start a dispute. We'll investigate on your behalf. Check out this how to video that'll walk you through the steps.

You may be asked to provide details that you gathered during steps 1 and 2 above. The more details you provide, the quicker your dispute may be resolved. Investigating a dispute may take up to 60 days for credit card disputes and 90 days for debit card disputes.

 

Sign in to get started

Still have questions? See the FAQs section.

Charge Errors vs. Fraudulent Charges

Charge Error

A charge error is a transaction you recognize but appears to be incorrect, such as:

  • A recurring transaction or trial subscription you canceled
  • A product or service you never received or received late
  • A one-time purchase you returned or canceled, and you still haven’t received a credit
  • A charge higher than the amount on your receipt
  • A product or service you received and are dissatisfied with
  • Your card was charged even though you used cash or a different card
  • The same card was charged more than once for the same transaction
Fraudulent Charge

A fraudulent charge is a transaction that wasn't made by you or anyone authorized to use your account. You have confirmed:

  • This charge wasn't made by another authorized user on your account
  • You haven't let anyone else use your card
  • You have reviewed the transaction detail keeping in mind some merchants use a different name or address for billing purposes and still don't recognize it

If your card is lost or stolen, or you think someone used your account without permission, call us immediately at 1-800-432-3117 for credit cards and 1-866-564-2262 for debit cards.

Credit Card Disputes FAQs

How do I stop or cancel a charge?

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The fastest way may be to contact the merchant to resolve your issue.

Can I dispute a pending charge?

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Credit card: You’ll need to wait for the credit card transaction to post before you can dispute it.

 

Debit card: You can call us at 1-866-564-2262 to initiate a debit card dispute for a pending transaction. You’ll need to wait for the debit card transaction to post before you can dispute it online.

How long do I have to dispute a charge?

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Submit your dispute within 60 days of the transaction first appearing on your statement.

How long will it take to resolve a dispute?

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The time it takes to resolve your dispute depends on the type of dispute and the merchant, but it may take up to 60 days for credit card disputes and 90 days for debit card disputes. Keep in mind, disputes are often resolved more quickly if you contact the merchant first.

Can I cancel a dispute I already submitted?

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To cancel a dispute, call the number on the back of your card. We also accept operator relay calls. If you’re deaf, hard of hearing, or have a speech disability, call 711 for assistance.

Do I have to pay the disputed amount while the credit card dispute is being investigated?

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You should continue to make at least the minimum payment on your credit card balance. Most of the time, you won't be charged interest or any other fees for the amount in dispute. We'll remove the disputed amount from your required payment until it's resolved.

Will I have access to the disputed funds while the debit card dispute is being investigated?

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Most of the time, a provisional credit will be applied to the account while we investigate the debit card dispute. This usually occurs within 48 hours but may take up to 10 business days.

What do I do when I see an unauthorized charge?

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If your card is lost or stolen, or you think someone used your account without permission, tell us immediately by calling 1-800-432-3117 for credit cards and 1-866-564-2262 for debit cards.

How do I remove pending charges from my account?

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Only a merchant can cancel your pending transaction.