How to Dispute a Charge

Challenge an incorrect or unauthorized charge on your bank account or credit card.

Steps

1
Log into your bank or credit card account
and find the transaction you want to dispute. Click on it to open details.
2
Look for "Dispute this transaction"
or "Report a problem" near the charge. Click on the link or button.
3
Select the reason
for your dispute from the dropdown menu. Options include fraud, incorrect amount, or duplicate charge.
4
Provide details
about why the charge is wrong. Include dates, amounts, and any communication with the merchant.
5
Submit the dispute
and keep the confirmation number. The bank investigates and credits your account during the review.

How long does a dispute take?Show

Banks have up to 10 business days to investigate. Most disputes are resolved within two billing cycles.

Will I get my money back during the investigation?Show

For credit cards, the issuer usually credits your account right away. For debit cards, the process takes longer.

Can I dispute a charge I willingly paid for?Show

You can dispute if the item was not delivered, was damaged, or the description was wrong. This is called a billing error.

What if the bank rules against me?Show

You can appeal the decision by providing more evidence. Contact the bank and ask about the appeals process.

Written by the HowToDoStuff.online editorial team. Last updated May 18, 2026.