Contact the Merchant that Billed Your Credit Card
If you’re disputing a charge that you think is the merchant’s fault, then you should try to work things out with the merchant before going to your creditor. If a billing error is the problem, then the merchant will likely be happy to fix it for you. If you’re disputing because you didn’t get what you paid for, then they might offer a solution. Keep records of all communication so that if talking with them doesn’t work out, you can give your creditor proof of what happened.
Contact Your Credit Card Company
Every creditor has their own process for handling credit card disputes and following their instructions is key to successfully getting your money back. Many will have you login to your online account to fill out a dispute form. If this doesn’t work for you or you’re not sure how to start, then call the customer service number on the back of your card.
After your creditor looks at your dispute request, it’s possible that they’ll contact you to ask for more details and specific evidence to support your argument. Thinking ahead and collecting this evidence before they ask for it will make you better prepared and more likely to succeed. For example, if you bought an item online and didn’t get sent what was promised, then evidence for your dispute might include:
- The item receipt.
- Screenshots of the item’s store page and the merchant’s return policy.
- Photos or videos showing how the item you got doesn’t match what’s promised on the store page.
- Communication records showing that the merchant refused to refund you.
After reviewing the evidence provided by both you and the merchant, the creditor will make their decision. Keep in mind that whether you’re contacting your creditor about debt or about a dispute, it’s always in your best interest to be polite and professional.