How Do I Dispute a Charge with Chase?
In a nutshell: To dispute a charge on your Chase Bank account, first ensure it's a legitimate issue, such as unauthorized transactions or errors. The dispute process must be initiated within 60 days of the statement. Begin by checking your recent activity, and if the charge appears incorrect or fraudulent, contact the merchant for resolution.
Introduction
If you notice a charge error or even something that looks like a fraudulent charge on your Chase Bank account, you need to learn how to dispute that charge with Chase. The dispute process itself is fairly quick and simple to complete, but there are a few things that you need to do before you begin the dispute process.
What You'll Need
You should dispute a charge if you find:A charge you did not authorizeA charge with the wrong amount or the wrong dateA charge for good or services you did not receiveFailure to make a refund when one is owedA charge made with the bill sent to the wrong addressYou must begin the dispute process within 60s days of the date of the statement that shows the charge you want to dispute.
Depending on the circumstances of your case, Chase may put a temporary credit into your account while it investigates your claims. If it finds against you, you will need to repay that credit.
After you file your dispute, you can track its progress by going to your Account Menu after signing in to your Chase account and selecting "Track Claims," under "Account Services."
Go to the Chase Bank home page.
Chase Bank home page
Enter your username and password into the text fields of the sign in widget near the top of the page and click on the Sign In button to sign in to your Chase account.
Look through your recent transactions to find the one you wish to dispute.
It will be under the "Recent Activity" header.
Click on the arrow next to the amount of the transaction.
The transaction details will appear, including the merchant's name, phone number, and other transactions you have made with this merchant in the past.
Make sure that the charge really is either an error or fraudulent, and it is not simply a matter of you having forgotten you made the purchase or having accidentally ordered extra features or services.
Contact the merchant and bring the charge to their attention.
If it is a matter of a simple error on the merchant's part, they may easily be able to fix the problem and refund your money. If this does not resolve the issue, continue on with the next step.
Sign in to your Chase account.
Scroll down to the "Recent Activity" section and locate the transaction you wish to dispute.
Click on "Report a problem."
Select the reason for your dispute.
Answer the questions you are asked about the charge and the merchant.
Review the list of recent credits to your account to verify that the merchant hasn't recently issued you a refund of the charge.
Click on "No."
Click on "Next."
Review the answers you have provided and then click on the Submit button.
Wait for any communications from Chase Bank.
The bank will let you know when it has made a decision, and it may also ask you for additional details or proofs. If you do receive a request from Chase, make a reply as quickly as you can. The whole investigation process may take to 90 days to be completed.
Conclusion
If you have any questions at any point in the dispute process, call a Chase customer service representative to get answers. You can reach one 24 hours a day, 7 days a week.
Further questions?
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