A credit card dispute is a formal request to your card issuer to reverse a transaction, typically because the charge was fraudulent, incorrect, or did not meet your expectations. What Happens During the Investigation Period After receiving your dispute, Chase is required to acknowledge it within 30 days and complete its investigation within two billing cycles, though they must resolve the matter within 90 days.
Chase Credit Card Charge Dispute Steps
Gathering Essential Documentation Before You Start Preparation is the cornerstone of a successful dispute, so compile all relevant evidence before contacting Chase. Discovering an unfamiliar charge on your Chase credit card statement can be stressful, but understanding the process empowers you to act quickly.
The letter should include your name, address, account number, a description of the error, the amount involved, and a copy of your supporting documents without sending original receipts. If you are disputing a charge for an item that was not delivered or was significantly not as described, photographs and copies of your records provide concrete proof.
Chase Credit Card Charge Dispute Steps
Valid disputes also include charges that are not as described, defective goods or services that were never rendered, or incorrect amounts and duplicate billings. Maintaining a copy of everything you send ensures you have evidence of your timely submission.
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