How To Dispute A Charge On Chase

If you’re a Chase credit cardholder, you may encounter a situation where you need to dispute a charge on your account. Whether it’s an incorrect charge, a fraudulent transaction, or a billing error, it’s important to know how to dispute a charge on Chase to protect your finances and credit score. In this article, we’ll guide you through the steps to dispute a charge on Chase and answer some frequently asked questions related to the process.

Step 1: Review Your Account Activity

The first step in disputing a charge on Chase is to review your account activity to ensure that the charge is indeed incorrect or unauthorized. You can access your account activity online or through the Chase mobile app. Look for the transaction in question and check the details, such as the date, merchant name, and amount. If you still believe that the charge is incorrect, move on to the next step.

Step 2: Contact the Merchant

Before contacting Chase, it’s a good idea to reach out to the merchant first to try to resolve the issue. You can find the merchant’s contact information on your receipt or by searching online. Explain the situation and provide any relevant information, such as a copy of the receipt or proof of cancellation. If the merchant agrees to issue a refund or correct the error, make sure to follow up to ensure that the issue is resolved.

Step 3: File a Dispute with Chase

If the merchant is unable or unwilling to resolve the issue, you can file a dispute with Chase. You can do this online, by phone, or by mail. To file a dispute online, log in to your Chase account and navigate to the transaction in question. Click on “dispute this charge” and follow the prompts to provide the required information. To file a dispute by phone, call the number on the back of your card and speak to a representative. To file a dispute by mail, send a letter to the address listed on your statement or on the Chase website.

Step 4: Wait for a Resolution

After you file a dispute, Chase will investigate the issue and make a decision. This process can take up to 90 days, so it’s important to be patient. During this time, Chase may ask for additional information or documentation to support your claim. Make sure to respond promptly to any requests to avoid delays in the resolution.


What can I dispute?

You can dispute any charge that you believe is incorrect, unauthorized, or fraudulent. This includes charges for goods or services that were not received, charges that were billed more than once, or charges that were made without your knowledge or consent.

What information do I need to provide when filing a dispute?

You will need to provide the date and amount of the charge, the name of the merchant, and a description of the issue. You may also be asked to provide any supporting documentation, such as receipts, invoices, or correspondence with the merchant.

What happens if my dispute is denied?

If your dispute is denied, you have the right to appeal the decision. You can do this by contacting Chase and providing additional information or documentation to support your claim. If your appeal is still denied, you may need to seek legal advice or contact a consumer protection agency.

What should I do if I suspect fraud on my account?

If you suspect fraud on your account, you should contact Chase immediately to report the issue. You can do this by phone or online. Chase will investigate the issue and take steps to protect your account and finances.


Disputing a charge on Chase can be a frustrating process, but it’s important to take action to protect your finances and credit score. By following the steps outlined in this article and providing the required information, you can increase your chances of a successful resolution. Remember to review your account activity regularly and report any suspicious or unauthorized charges as soon as possible.