How to Dispute a Charge with Your Bank

Each bank runs its own dispute process. The federal rules set the floor for all of them.

Find your bank below.

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.

A step-by-step guide to disputing an American Express charge, from when a dispute fits to what happens after you file.

A step-by-step guide to disputing a Discover credit card charge, from checking the charge to filing and what comes after.

Check what counts as an error, gather your proof, then file. Capital One checks the claim and may credit you while it decides.

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.

Credit card disputes run up to 90 days under Regulation Z. Regulation E sets 10 business days for debit, or longer with provisional credit.

A step-by-step guide to disputing a Bank of America credit card charge, from checking the charge to what happens after you file.