Here’s what to expect during the dispute process:
- We’ll be researching the matter and may send you correspondence. It’s very important that you respond to any communications that you receive in a timely manner.
- Once the research is complete, we’ll decide the outcome of the filed dispute. The merchant in dispute will then have 45 business days to respond to the decision. Their response will either end the dispute or initiate further research by our processor.
- Provisional credit will only be given at the end of the entire process if it is determined that the dispute filed is valid.
- You’ll be notified of the outcome of the dispute.
- If your dispute is concerning a P2P (Peer-to-Peer) payment, such as CashApp, SQ*Square, Venmo, and Xoom, there’s a very limited means of recovery for the disputed funds. With these payment services, we don’t have the rights to reverse a charge because the person using the P2P service authorized the charge themselves. Because of this, we recommend only using P2P services when you know and trust the person on the other end of the transaction.
- If your card is not suspended within one business day after submitting an unauthorized transaction dispute, the card will be permanently blocked, and a new one will be issued to the address on file.
To check the status or cancel your dispute, please call our Care Center at 1-800-926-0003. Please only submit one dispute per transaction. Multiple disputes for the same transaction won’t affect how quickly it will be resolved.