As a Chase customer, you have the right to dispute any unauthorized or incorrect charges on your credit card through the Chase app. It’s a simple process that can save you from paying for something you didn’t purchase or from being overcharged. Here’s how to dispute charge on Chase app:
Details
What is a dispute?
A dispute is a formal request to reverse a transaction on your credit card. It is usually done when you notice an incorrect charge or when you didn’t authorize a transaction on your card. You have up to 60 days to dispute a charge, and Chase will investigate your claim to determine if it’s valid.
How to dispute a charge on Chase app?
To dispute a charge on Chase app, follow these steps:
- Open the Chase app and go to your account.
- Select the transaction you want to dispute.
- Click on the “Dispute” button.
- Select the reason for your dispute and provide any additional information.
- Submit your dispute request.
How long does it take for Chase to resolve a dispute?
Chase usually takes up to 30 days to resolve a dispute, but it can take longer depending on the complexity of the case. In the meantime, you don’t have to pay for the disputed amount, and it won’t accrue interest.
What happens if my dispute is approved?
If your dispute is approved, Chase will reverse the transaction and credit your account for the disputed amount. However, if the merchant disputes your claim or provides evidence that the transaction was valid, your dispute may be denied.
What happens if my dispute is denied?
If your dispute is denied, you will have to pay for the disputed amount, and it will accrue interest. You can still try to resolve the issue with the merchant directly or through other means.
Is there a fee for disputing a charge on Chase app?
No, there is no fee for disputing a charge on Chase app. However, if your dispute is denied, you may have to pay for the disputed amount plus interest.
FAQ
Can I dispute a charge if I authorized it?
No, you cannot dispute a charge if you authorized it. However, if you believe the charge was incorrect or you didn’t receive the goods or services you paid for, you can still dispute it.
Can I dispute a charge if I lost my credit card?
Yes, you can dispute a charge even if you lost your credit card. However, you should report the lost card to Chase immediately to prevent any further unauthorized charges.
Do I need to provide evidence to support my dispute?
No, you don’t need to provide evidence to support your dispute, but it can help your case. If you have any receipts, emails, or other documents that prove your claim, you should include them in your dispute request.
Can I dispute a charge if I already paid my credit card bill?
Yes, you can still dispute a charge even if you already paid your credit card bill. The disputed amount will be credited to your account, and you can use it to pay your next bill.
What should I do if the merchant refunds my money after I disputed a charge?
If the merchant refunds your money after you disputed a charge, you should notify Chase immediately. You may have to return the refund to Chase, depending on the outcome of the dispute.
What should I do if I don’t recognize a charge on my credit card?
If you don’t recognize a charge on your credit card, you should contact Chase immediately to report the issue. You may have been a victim of credit card fraud, and Chase will investigate the matter.
Pros
Disputing a charge on Chase app is easy, convenient, and free. You can do it anytime, anywhere, without having to call or visit a Chase branch. Moreover, you don’t have to pay for the disputed amount while the dispute is being resolved.
Tips
- Keep track of your credit card transactions and check them regularly for any unauthorized or incorrect charges.
- Report any lost or stolen credit cards to Chase immediately to prevent any unauthorized charges.
- Provide as much information as possible when disputing a charge, including the date, amount, and reason for your dispute.
- Be patient while waiting for Chase to resolve your dispute. It may take some time, but it’s worth the wait.
- Try to resolve the issue with the merchant directly before disputing a charge with Chase.
- Use a strong and unique password for your Chase app to prevent any unauthorized access to your account.
Summary
Disputing a charge on Chase app is a simple and effective way to protect yourself from unauthorized or incorrect charges on your credit card. You can do it anytime, anywhere, without having to call or visit a Chase branch. Follow the steps outlined in this article, and you’ll be able to dispute a charge on Chase app with ease.