How Do I Dispute a Charge from Choice?

To protect your financial health and your identity, it's a good idea to review your credit card statements every month to look for unauthorized charges, or to see if expected charge reversals have been credited to your card. When you get your Choice statement, if you notice any unauthorized charges, there are steps you can take to dispute those charges. How do you dispute a charge from Choice? You can contact customer service here. Also, keep reading below for more information on disputing unauthorized or fraudulent charges.

Common Reasons for Disputes

The most common reasons people dispute credit card charges include the following:

1. You didn't receive the good or service that was on the credit card statement.
2. You canceled the service or returned the good and the card was still charged, or the refund was not credited to the account.
3. The amount is different than what is on your receipt.
4. You were charged twice for the same good or service.
5. The charge was not authorized by you.

How to Dispute the Charge

Below are steps to disputing a charge from Choice.

1. Examine the charge. When was it placed on the card? What was the amount of the charge? Ask yourself if you forgot you made a particular purchase.
2. Contact the business where the charge originated first. When you contact the business, write down the name of the customer service representative you speak to and any details about the call that you may need to recall later. If the manager or business owner agrees to reverse the charges, ask for a time frame of when that should appear on your credit card statement.
3. If you don't get anywhere with the business, then you can contact the credit card company. You can contact Choice here to discuss the unauthorized charge and how to remove it from your account. Again, write down the name of the customer service representative you speak to and follow all directions they give for filing your complaint.
4. Let them investigate the complaint and charges in question. It could take up to 90 days for them to determine if your dispute is accepted. In the meantime, keep making your minimum payments to Choice to keep your credit in good standing.
5. If Choice doesn't find in your favor, you can appeal the decision to the Federal Trade Commission for a third-party review and decision.

Reviewing your statements can help you stay on top of your spending. It can also help you catch identity theft and fraud early and take the necessary steps to stop it.

Protecting your credit when using your Choice card can be easy by reviewing your purchases and matching those to your monthly statement. When you find a charge that you wish to dispute, you can do so by contacting customer support here.