Nov 12, , am EST. Nov 11, , pm EST. Nov 11, , am EST. Nov 10, , pm EST. Edit Story. Mar 16, , am EDT. Personal Finance. Claire Tsosie. We might remove the hold before review of the dispute is finished, but you may still be responsible for the disputed amount and have the credit removed in the future. At any point in this process, you can reach out to the merchant directly to try to resolve your dispute.
Capital One provides you a temporary credit for the original charge while we investigate your dispute. If the merchant provides information demonstrating that the original charge is valid—or that they gave you a credit for it—we add it back to your account and end our investigation. While you wait for the letter, we encourage you to gather documentation that will be helpful, such as receipts, return evidence or any communication from the merchant promising a refund. And remember: you can always try to resolve your dispute and get your money back by working with the merchant directly.
Filing a dispute may not always be the best option. Before you dispute a charge, do a quick double-check:. Working directly with the merchant is often the fastest way to resolve your dispute. We will usually ask you if you have already done this when you contact Capital One to file a dispute.
For more information, see our Editorial Policy. A credit card dispute is when a consumer requests that their credit card company remove an incorrect or fraudulent charge from their bill. That might happen if you bought an item online but never got it in the mail, or if a charge appeared on your account that you never made.
If the dispute is related to the quality of a purchased item, or has to do with a merchant's delivery or customer service process, it's best to try to work out the issue first with the seller. But if the problem isn't resolved, or if the issue is likely due to fraud or an account billing error on the credit card issuer's side, then it might be time to pursue a credit card dispute.
Here's how to do it. When you dispute a credit card charge , you make a claim to the credit card company explaining that you are not responsible for paying for a particular purchase and why. Credit card disputes aren't meant to resolve general customer service complaints—that you don't like the item you received, for example, and don't want to pay for it. But they can protect you from unscrupulous behavior by a merchant: if you didn't receive an item you ordered and paid for or weren't reimbursed after returning an item, for example.
Disputes are also important for resolving billing issues with your credit card company. A company could, for example, incorrectly post a payment you made or send a bill to a previous address after you provided a new one. Or you may see a charge you didn't make, alerting you to the possibility that you were the victim of fraud.
In these circumstances, you can dispute a charge or bill and request your credit card issuer complete an investigation into the matter. The Fair Credit Billing Act FCBA gives you the right to receive a quick response from your credit card company if you dispute a charge and protects your credit score from negative effects during a dispute investigation.
There are several circumstances when it makes sense to dispute a credit card charge with your issuer. You may also dispute other aspects of your credit card bill if they were made in error. Consider a dispute if:.
The method for disputing a credit card charge depends on the type of issue you're having. But in all cases, to have your dispute protected by federal law, you must file the request within 60 days of the date when you received the bill that includes the error. After you file a dispute, the credit card company must send you a letter acknowledging the dispute within 30 days. The dispute must be settled no longer than 90 days after the company received your letter. You do not have to pay the disputed charge while it's under investigation, but you are responsible for paying other portions of your bill, including interest.
Your credit score cannot be negatively affected during the investigation, and your bill cannot be reported as late, but the dispute can show up on your credit report. If the company acknowledges it made an error, you must get your money back plus any interest charges or late fees related to it.
But if it turns out you do owe the money, you must receive a written letter explaining why, and you'll have to pay the amount in dispute plus any interest. You can refuse to pay, but you'll have to indicate that within 10 days, and the credit card company could put your account into collections.
Does Disputing a Charge Impact Credit? A credit card dispute in and of itself won't impact your credit directly.
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