Get a charge taken back.
Pick where you paid. Each page shows how that bank or app handles a dispute, and what the federal rules give you.
Pick where the charge came from
- How disputes work
- What a dispute or chargeback is, the time limits, provisional credit, and what happens after you file, from the federal rules.
- Other banks and cards
- How disputes work at Bank of America, Capital One, Wells Fargo, Discover, American Express and other banks and card issuers.
- Payment apps
- What you can do when a Venmo, Zelle or PayPal payment goes wrong, and when a payment cannot be taken back.
Also answered here
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How to Dispute a Charge for Services Not Rendered
A charge for a service you never got counts as a billing error. Here is how to build your case, file it, and follow it through.
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Can You Dispute a Subscription Charge?
A subscription charge you did not allow, or one that kept coming after you canceled, may be a billing error. The rules depend on how you paid.
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How to Dispute a Charge on iTunes
Ask Apple for a refund first. If that fails, your card issuer has a formal dispute process under federal rules.
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How to Dispute a Charge on Your Apple Card
Report the charge from your iPhone, then mail a written notice to Goldman Sachs within 60 days to protect your rights.
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How to Dispute a Charge on PayPal
Open a PayPal dispute, message the seller, and escalate to a claim if you cannot agree. Here is how each step works.
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Can You Dispute a Zelle Transaction With Your Bank?
Zelle payments usually cannot be reversed, but you can cancel some, report errors under Regulation E, and ask about scam reimbursement.
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How to Dispute a Charge on Venmo
Most Venmo payments can be disputed in the app. Here is how to file one, what to do if the option is missing, and how a chargeback differs.
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What a Bank Dispute Means and How It Works
A dispute is a formal challenge to a charge on your account. Federal rules set the steps, the deadlines and your rights.
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How to File an Amex Credit Card Dispute
A step-by-step guide to disputing an American Express charge, from when a dispute fits to what happens after you file.
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How to Dispute a Charge on Your Discover Card
A step-by-step guide to disputing a Discover credit card charge, from checking the charge to filing and what comes after.
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How to Dispute a Debit Card Charge With Capital One
Check what counts as an error, gather your proof, then file. Capital One checks the claim and may credit you while it decides.
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How to Dispute a Credit Card Charge With Capital One
Check the charge, try the merchant, then file in the app, online, by phone or by mail. Here is what happens next and how to appeal.
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How Long a Bank of America Dispute Takes
Credit card disputes run up to 90 days under Regulation Z. Regulation E sets 10 business days for debit, or longer with provisional credit.
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How to File a Bank of America Credit Card Dispute
A step-by-step guide to disputing a Bank of America credit card charge, from checking the charge to what happens after you file.
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The Chase Credit Card Dispute Time Limit, Explained
You have 60 days from the statement that shows the error to send Chase a written notice. Here is how the clock works and what to do.
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How to File a Chase Credit Card Dispute
Contact the merchant, gather your proof, then file with Chase. Here is each step, plus what federal law says about timelines.
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What a Reverse Provisional Credit Means for You
A reverse provisional credit is the bank taking back the temporary money it gave you. Here is why it happens and what to do next.
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Regulation E Provisional Credit Timeline
Regulation E can make your bank credit your account while it checks an error. See when it must, when it can wait, and what happens after.
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When Does Provisional Credit Become Permanent?
Provisional credit is temporary money from your bank. It becomes permanent only when your bank finishes its check and finds an error.
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What Provisional Credit Means for a Bank Dispute
Provisional credit is money your bank puts back while it checks your dispute. Regulation E sets the rules for it.
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What Is a Chargeback and How Does It Work?
A chargeback reverses a card payment through your bank. See how it differs from a refund and what Regulation E and Regulation Z do for you.
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How Long You Have to Dispute a Debit Card Charge
Regulation E gives you 60 days from the statement showing the error. Here is how the clock works and what happens if you miss it.
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How Long Does a Credit Card Dispute Take?
Credit card disputes run two billing cycles, or 90 days at most. Debit card disputes follow Regulation E, with 10 business days or longer with provisional credit.
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How Long You Have to Dispute a Charge
Credit card disputes get 60 days under the Fair Credit Billing Act. Debit card errors get 60 days under Regulation E. Here is how each clock works.
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Can You Dispute a Pending Charge on a Credit Card?
You usually cannot dispute a pending charge because it has not posted yet. Here is what to do while you wait.
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How to Dispute a Fraudulent Credit Card Charge
See a charge you never made? Check it, gather proof, and send a written dispute to your card issuer within 60 days.
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Valid Reasons to Dispute a Credit Card Charge
The law counts some charges as billing errors. Bad service is not on the list.
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Can You Dispute Debit Card Charges? Yes, Here's How
Yes, you can dispute debit card charges. Regulation E sets the steps your bank must follow and the deadlines it must meet.
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How to Dispute a Credit Card Charge Step by Step
Check the charge, write to the merchant, then send a written billing error notice within 60 days. Here is the full path, and your rights along the way.
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Is It Bad to Dispute a Credit Card Charge?
Disputing a charge with a real reason is not bad. False or careless disputes can cost you, though.
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What Happens When You Dispute a Debit Card Charge
Your bank checks the charge, may credit you for now, and must tell you what it found. Here is the debit card timeline, step by step.
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What Happens If You Dispute a Charge and Lose
A denied dispute puts the charge back on your bill. Here is what you owe, what the bank must tell you, and what you can still do.
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What a Disputed Transaction Is Under Federal Law
A disputed transaction is a charge you tell your bank or card issuer you did not authorize or that is wrong. Federal rules set how it works.
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What Happens After You Dispute a Charge
Your bank looks into it, may give you a temporary credit, and then tells you what it found in writing.
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What to Do Before You Dispute a Charge
Check the charge, try the company, and gather your proof. Then file in writing and keep copies.