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.

Written: October 5, 2026

You saw a charge on your Chase card that looks wrong. The clock is already running. Federal law sets a firm deadline for disputes, and missing it can cost you the protections that come with one. Here is how the Chase credit card dispute time limit works, and what to do about it.

Why the deadline matters

A dispute is not just a phone call. The Fair Credit Billing Act is the federal law on correcting billing errors. It gives you real protections, but only if you follow its steps on time. The Consumer Financial Protection Bureau says to call the card company about a problem charge right away. It also says you must send a written billing error notice to protect your rights. Regulation Z starts the 60 days when the card issuer sends the first statement that shows the error.

The 60-day deadline

Section 1026.13 of Regulation Z is the federal rule on billing error resolution. Regulation Z gives the cardholder 60 days to get a written notice to the card issuer. That is 60 days for the notice to arrive, not for you to drop it in the mail. Plan for mail time.

The Fair Credit Billing Act also counts the sixty days from when the card issuer sends the statement. So the deadline is tied to your statement, not to the day you noticed the charge.

When the clock starts

Regulation Z starts the 60 days when the card issuer sends the first statement that shows the error. Find that statement. The date it was sent is day one.

This is why waiting hurts. A charge from early in the month may show up on a statement sent weeks later. Your 60 days run from that statement date, and they run whether you read the statement or not. Check your statements when they arrive.

What counts as a billing error

Regulation Z spells out what the law treats as a billing error:

a charge not made by you or someone allowed to use the card
a charge for the wrong amount
a charge for goods or services not accepted or not delivered as agreed
a payment or credit the statement fails to show properly
a math error the card issuer made on a statement
a charge you ask the card issuer to explain, with documents as proof

One thing does not count. Regulation Z does not treat a complaint about the quality of something you accepted as a billing error. The Consumer Financial Protection Bureau says defective goods or services may need a different dispute process. For more on which claims fit, read valid reasons to dispute a charge.

Sending a proper written notice

Regulation Z says the notice must reach the address the card issuer gives for billing errors. Check Chase's own dispute page for that address. Do not guess at an address.

The notice must let the card issuer identify your name and account number. It should give the error's type, date and amount, and why you think it is wrong.

Chase's guide says card issuers take disputes by phone, and some also take them online or by mail. Regulation Z says a notice sent electronically counts as written, if the card issuer says it accepts notices that way. Check Chase's own dispute page to see what it accepts. Regulation Z lets a card issuer refuse notices written on the payment slip, if its billing rights statement says so. Keep it off the payment coupon.

Keep copies of everything you send, and write down the dates of any calls. The Consumer Financial Protection Bureau says to keep copies and write down the dates of follow-up calls.

What to do before you file

Chase's guide says to contact the merchant before you contact your card issuer. A merchant may fix a charge error in a few days, while a bank can take weeks. Chase's guide also says you can only dispute charges that have already posted.

Gather your papers first. Chase's guide says to gather receipts, photos and any messages you sent the merchant about the problem. You may need to send copies of receipts and other papers that support your dispute.

One warning. Do not let merchant talks eat your 60 days. Regulation Z says a cardholder need not contact the seller first about goods or services not delivered as agreed. If the deadline is close, file the notice.

Why the notice must be in writing

The 60 days are for a written notice, not a call. A phone call alone does not protect the deadline.

What Chase does after you file

Regulation Z gives the card issuer 30 days after it receives the notice to confirm it in writing. That written reply is dropped if the issuer resolves the error within those 30 days.

After that, Regulation Z gives the card issuer 2 complete billing cycles after it receives the notice to resolve the error. Regulation Z says the card issuer must resolve the error no later than 90 days after it receives the notice. The Fair Credit Billing Act sets the same limit.

Your rights while the dispute runs

Regulation Z says the cardholder need not pay the disputed amount or its related charges during the dispute. Regulation Z bars the card issuer from trying to collect the disputed amount during the dispute, such as in court.

Chase's guide says you still owe at least the minimum payment while a charge is in dispute. Keep paying the rest of your bill. Regulation Z bars the card issuer from reporting you as late for not paying the disputed amount. It may report that an amount is in dispute.

Regulation Z says card issuer autopay must skip a disputed amount if the notice arrives 3 business days before payment. And holding back a disputed amount cannot add finance charges to the rest of the balance.

Regulation Z bars a card issuer from closing or limiting an account because the cardholder used these rights in good faith.

After Chase decides

Chase's guide says that if the bank agrees with your dispute, it reverses the charge. Regulation Z says a card issuer that finds the error must fix it, credit the account and send a correction notice.

Regulation Z says a card issuer that finds no error must explain why in writing. Regulation Z says the card issuer must send copies of its proof if you ask. Read those papers. Regulation Z says a card issuer must do a reasonable investigation before it finds there was no error. It cannot deny a claim only because you did not sign a sworn statement or file a police report.

Chase's guide says that if the dispute finds you responsible for the charge, you have to pay it. Regulation Z gives a cardholder who still owes at least 10 days to pay before a bad credit report. For what comes next, read what happens after you dispute a charge and what happens if you dispute a charge and lose.

The short version

Find the statement that first shows the error. That starts your 60 days. Send a written notice to the billing error address with your name, account number, and the details of the charge. Keep copies. Try the merchant if you have time, but do not let talks run out the clock. For the wider picture across card types, see how long you have to dispute a charge.