You’ll want to watch out for these types of charges. Customers request chargebacks for a number of reasons, including duplicate charges for a single purchase, instances where an online order never arrived, or unauthorized … I don't know if it usually happens this quick with other companies but I am certainly pleased with AmEx. Errors that involve the cost of the item. Thanks much. Double-Check Charges. Whether you were charged for an item you didn’t purchase or billed the wrong amount for something you did buy, disputes occur when a cardholder questions the accuracy of one or more charges on their bill. box after my friend. Chargeback time limits associated with VCR 13.1 can change if the merchandise or services were expected to be provided after the transaction processing date. small claims court). A credit file with a dispute or disputes on it is just asking for extra attention. Overall, the 623 dispute method works best for past delinquencies and charge-offs that may no longer be listed appropriately in the records. C- If Amex does agree to dispute the charge for you pending investigation, the credit will only be temporary. Everything was pushed back due to Covid restrictions and they have been trying to reschedule me, and keep telling me to wait, that it will be fine. Comparable would be determined by the seller not the buyer, sorry. I find Visa wonderful to deal with in these types of situations, but all the major creditors are probably the same. I have zero Knowledge about this stuff. Chatham-Kent police responded to an on-going neighbour dispute in … More posts from the personalfinance community. How to File a Dispute. What do I tell the credit card company? Otherwise, we can assist you quickly online. Fortunately, federal law gives consumers the ability to dispute charges under certain circumstances through the Fair Credit Billing Act. When to dispute a charge. Still, you’ll need at … Quick Tips: It can be helpful to contact the merchant if you notice an incorrect charge; this is often the fastest way to resolve an issue. If you disputed an item and the investigation did not resolve the dispute, you have the right to add a statement to your credit file that is 400 words or less, free of charge, explaining the nature of your dispute. On the "Invoice Detail" screen that follows, click the "Dispute Invoice" button. If there are errors in your credit reports or criminal history records, then you will need to go ahead and raise your dispute with the organization that maintains those records. What is the process to submit the dispute request in that case? The federal Fair Credit Billing Act gives you the right to dispute a charge under certain circumstances, and many issuers make the process much easier than the law requires. PayPal account Disputes, claims, chargebacks . The agency has 30 days to investigate the dispute by contacting the creditor and requesting proof of the validity of the charge-off. “While the final vote did not lead to a conviction, the substance of the charge is not in dispute,” Biden wrote. New comments cannot be posted and votes cannot be cast, More posts from the PersonalFinanceCanada community, Continue browsing in r/PersonalFinanceCanada, Press J to jump to the feed. You want documentation as well. But if it's something relatively minor, unless it's causing you an actual problem you may be better off leaving well alone. Your card issuer may give you more time, especially for fraudulent charges. Unfortunately, consumers often misunderstand and abuse the credit card dispute process. President Joe Biden issued a statement late Saturday, hours after the U.S. Senate voted to acquit former President Donald Trump on an article of impeachment for “inciting an insurrection” in connection with the Jan. 6 riot at the U.S. Capitol. Is it in my rights to dispute this charge since I did not approve any of it? Since many stores have a generous refund policy, getting a refund on any purchase is often a straightforward process. Disputes may result from violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. The dispute right is a right not to pay a charge, not a right to a refund for a charge you've already paid. Has anyone successfully disputed a charge from 7-8 months ago with Chase? I disputed the charge double-charge. You will have to look at your agreement with the credit card company. No tracking. My claim was reviewed and approved with Chase. Have you paid the charge? I no longer care about being on good terms. You'll have to go through regular legal channels (i.e. Once that is answered more advice can be provided. The Canadian Press ... Reddit. I'm actually glad this family and friends payment method exists. A dispute is the reversal of a sale transaction that arises from a processing technicality, a cardholder dispute or fraudulent activity. BMO customers will soon be able to dispute a credit card charge straight from the bank’s iOS and Android apps. The dispute right is a right not to pay a charge, not a right to a refund for a charge you've already paid. Charge laid in family dispute A 43-year-old West Nipissing resident faces multiple charges following a family dispute at a residence on Highway 17 at 8:38 pm Friday. Two months later, Chase said it was a legit charge. It’s all due to Covid, so is there anything Covid-specific I can say to get myself longer than the standard 2 months to dispute the charges? Neighbour dispute leads to arrest Back to video The man was transported to headquarters where he was released with a court date. As a consumer, you have the right to dispute fraud, improper charges, or charges for a product or service that failed to meet your expectations. As someone who works in the fraud industry for a major card carrier you would need to re-dispute the charges as duplicate billing errors. Especially the sedation? Press question mark to learn the rest of the keyboard shortcuts. If not found in your favor, or simply outside the chargeback window you will have to seek legal measures. Before you dispute: Make sure you understand how fair use and the public domain work. Cookies help us deliver our Services. 2 years ago. I have had 2 claims with Chase. So by all means, if you have a huge debt listed on your credit file that doesn't exist, dispute that bitch. While there's no secret code or magic bullet, winning a chargeback dispute requires time, effort, and painstaking attention to detail on the part of the merchant. Our team will investigate your claim and may be able to file a dispute with the card network. However, a charge … You can dispute a charge up until you pay it, but that's it. Seems unlikely. The first step in disputing a charge is to make sure the charge truly is wrong. Keep in mind that though you can dispute a charge, you may not always get your money back, particularly if it’s difficult for the credit card company to prove that the merchant is at fault. Verify the Transaction. Being able to dispute charges on a credit card is one of THE main benefits of using a credit card. Note that in the US you legally have 60 days to contest a charge but many CC companies will let you dispute one after that when services arent provided.. Being able to dispute charges on a credit card is one of THE main benefits of using a credit card. Disputes can cost you time and money – so it's important to understand what you can do to avoid and manage them. If it turns out the disputed charge was valid, your bank will let you know that too. Box 30945, Salt Lake City, UT 84130-0945 . Chase Dispute Charge. YES! How to Request a Bank of America Chargeback With DoNotPay?. A disputed charge, or chargeback, describes the process that occurs once a cardholder refuses to accept responsibility for a charge … While there are protections in place to help consumers dispute inaccurate charges on their credit card bills, those protections have limits.For example, if you’re experiencing buyer’s remorse over an expensive purchase or you wish you’d chosen the bigger flat-screen TV, you’re probably out of luck. A charge-off on your credit report means that your creditor has written off your unpaid debt to get a tax deduction. If so, did they outright refuse and what was their reasoning? BMO customers will soon be able to dispute a credit card charge straight from the bank’s iOS and Android apps. Before you dispute a charge, make sure that you have a legitimate reason. When documentation is … So, the short answer to your question is, yes, the merchant can threaten to sue. Dispute the charge-off with a reporting agency. I ordered barber supplies from a website I thought was legitimate. I had a claim that was from April and I waited over 90 days because I could not contact the vendor after many attempts. Press J to jump to the feed. Under the terms of the Fair Credit Billing Act, the credit card dispute time limit is usually 60 days after you get the official card statement … Question: “John, I just got all of my credit reports for free and there are some items that are old, accurate, and just downright bad. I highly recommend doing so as occasionally write offs do happen, but not the norm nor are they done by request. The good news is that if you understand your rights and thoroughly document your claim, you can dispute unfair landlord charges and come out on top. The merchant did incur labor and material costs. Fraudulent or unauthorized credit card charges. Thank you, I guess I’d better figure out which state they are headquartered in... Chase is horrendous. the vet himself also never spoke to me, it was all through the tech. POLICE: Ongoing dispute results in charges Back to video Arrested for impaired An 18-year-old man faces charges of impaired driving and driving while exceeding the … … Winning disputes takes more than circumstantial evidence and a surface knowledge of reason codes. For example, the purchase could be for plane tickets that would be used months after the initial transaction. That can take a while, especially if you’re trying to call over your lunch break or … 2 Checked the door cameras, nothing. I have had good luck with them in the last few months when hotels and airlines have refused to refund me money, so I guess I am hopeful there is a Covid clause somewhere. With Visa or MasterCard you have 120 days to file your dispute from the time of the authorization. After gathering the facts, the card network will make a final decision and you will be notified of the final decision of the dispute. I was on the phone with AmEx for 4 minutes, explained and got my money back within 12 hours. Both were approved. That can take a Assault and drug possession charges But you need to initiate your dispute within 60 days of the disputed transaction showing up on your statement in most circumstances, and you need to be prepared to provide proof that the charge should be reversed. Contacted Amazon, they looked into, and then said it was lost in the mail. What happens after I dispute a charge? If you’ve received an erroneous charge-off on your credit report, it’s important that you dispute it, since this can affect your credit for up to 7 years. Standard practice is for the merchant to provide supporting documentation about the charge when first disputed. The u/howtodisputecharges community on Reddit. A chargeback begins when a customer contacts the issuing bank to request that the issuing bank reverse a credit card payment to you, the merchant. B- In the agreement of purchase with Legoland, I am sure there was language that allowed them to substitute a comparable product of equal or greater value. ... What is a dispute? How to Dispute a Charge and Check the Status of Your Claim. Which would apply in OP's case since it was a travel booking. Winning disputes takes more than circumstantial evidence and a surface knowledge of reason codes. It is highly unlikely you will have your claim granted, but there normally is no penalty in filing one. When you notice that a merchant has charged you an incorrect amount or that someone may have made a fraudulent transaction on your credit card, you need to follow the proper timeline and procedures for disputing the charge so that you're not held liable. I paid them ~ $3000 in Feb and March 2020 using Chase Ink and Chase Sapphire for a travel experience that was canceled due to Covid. VCR Dispute Reason Code 13.1 Time Limit Modifiers. Fraudulent or unauthorized charges. While sellers don’t have to give you a refund for that bag just because it is the wrong shade of burgundy, in most cases, they will. No signature. By law, you cannot be held liable for more than $50 in fraudulent charges. It's called a charge back. Now the experience I had prepaid for is no longer available with them (a co-owner of company left, opened a new company, and the experience went with them). -- A 45-year-old Chatham man is facing charges after police say he damaged his neighbour’s property. Neighbour dispute leads to arrest Back to video The man was transported to headquarters where he was released with a court date. If there is a mistake in your background check, then your first step is to lodge a dispute with the background screening company. Gain a better understanding of disputes, claims, and chargebacks, and tips on how to navigate them for faster resolution. Join our community, read the PF Wiki, and get on top of your finances! If you see a transaction that you don’t recognize, you can select it within the app and notify the bank right away. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. “Even those opposed to the conviction, like Senate Minority Leader Mitch McConnell, believe Donald Trump was guilty of a ‘disgraceful dereliction of duty’ and “practically and morally responsible for provoking’ the violence unleashed on the Capitol.” Now your credit card issuer may still allow you to dispute a charge you've already paid, but they don't have to. A chargeback begins when a customer contacts the issuing bank to request that the issuing bank reverse a credit card payment to you, the merchant. Chatham-Kent health officials are disputing charges that employees at a Wallaceburg nursing home weren’t given adequate face masks. The dispute process varies depending on the credit card company, but with most, there are two convenient ways to dispute a credit card charge: Call … It was a simple double-charge error. They added a tracking number and the next day said it was delivered. A: If you see a charge on your statement you don’t recognize, multiple charges for the same purchase or the wrong amount being charged, it could be a mistake that you can dispute. Reddit gives you the best of the internet in one place. Doesn't hurt to try! Even if you willingly paid for a product or service using your card, you can still file a credit card dispute when it’s related to the quality of the product or service.� After 90 days you can see the Dispute Charge button in the portal. Once the charge is paid your rights diminish greatly (fraud is a different story). While you'll want to find out through your card issuer what the credit card dispute time limit looks like in your situation, you can expect to get at least 60 days past the time when you get the associated statement. I’d love to get rid of them. I wouldn't expect much from them. You can also dispute a charge by contacting Customer Service at 1-800-DISCOVER (1-800-347-2683) or by sending a letter to P.O. I have been nervously waiting. I called rbc today and got a hold of them right away because i mentioned dispute to the robot thing. Before initiating a claim. There's an exception to that - if the goods or services were scheduled to be provided at a later date, it's 120 days from the date you expected to receive the goods or services instead of from the date of the charge. 5 Often, landlords simply charge these damages because they can, expecting few tenants to fight them. Winning a dispute with a credit card company didn’t make those costs go away. I would". So that is step one. Call them and tell them that you want a charge back for a specific transaction, include the date and amount as well as the reason. First of all, have you contacted the company and demanded a.refund? File a dispute. While the investigation is happening, you may still see the charge … Called up chase and told them the story, had the money back on my card within a week. When not selling on ebay, like kijiji for example, it gives sellers protection for once. Emma Gilchrist says that after receiving an unusually expensive phone bill, she turned to social media to dispute U.S. roaming charges that were incurred when she was a … Assault and drug possession charges The easiest way to check this is on our website or mobile app. Share. Call that number on the back of the card and nicely explain the situation, should be fine. You can dispute a fraudulent credit card charge by contacting your credit card issuer directly and informing them of the problem. first option is to place a phone call to Citibank and explain the problem to a customer service employee. I want to dispute this charge on my debit card with TD bank and would appreciate any help with this matter. Call them and dispute the charge. Just look at all your statements since the charge happened and find the credit. Let your bank review the dispute notice. Customers request chargebacks for a number of reasons, including duplicate charges for a single purchase, instances where an online order never arrived, or unauthorized purchases made by someone … Chase made me fax in a bunch of information they already had. As a consumer, you have the right to dispute credit card charges under certain circumstances, including fraudulent activity and unauthorized purchases. Consider calling the merchant first, as they may resolve your claim faster (we may also require information from the merchant to process a claim, so contacting them directly may save you time). I bought my wife a (~$1000) camera through Amazon for her birthday, and paid extra for next day shipping, since I wanted to get it delivered on a day I’d want to be able to grab the package before she got home and was able to see it - it never showed up. While there's no secret code or magic bullet, winning a chargeback dispute requires time, effort, and painstaking attention to detail on the part of the merchant. The fact that you won your dispute with Discover does not mean that the $3,000 charge for the countertops just magically disappeared. Doubt it. The first option is to place a phone call to Citibank and explain the problem to a customer service employee. Although sometimes slow to get to the end of the claim due to “investigations” or whatever, they’ve always made it come through. It really isn't debatable as there is no way to really charge it back outside this window. And not taken the "it will be fine" answer? To dispute an entire invoice, click on the "Invoice Number" from the "Account Summary" screen. For instance, your receipt shows one price, and your credit card invoice shows another. Additionally, you typically need to file your complaint within 60 days of the credit card purchase, unless the good or service is guaranteed. I accidentally bought airplane tickets with my Chase debit card on the wrong date of our trip total up to ~1k (also due to my own mistake when converting currencies). Review your charges now. I'd be very straight forward with the company and make it clear that at this point you want a full refund and expect to receive something in the very near future. You can dispute a charge with Discover over the phone by calling their Customer Service line at 1-800-DISCOVER (1-800-347-2683). If you’re not sure what to do, you may want to seek your own legal advice. Before you dispute a charge, do a quick double-check: Make sure the charge has posted to your credit card account. Merchants can dispute a chargeback, but they might not prevail, especially if they can’t prove the charge was valid. I requested that they add signature confirmation since I live in a major city and was concerned about the package being left outside my building unattended. $20 for 1 printed pic and a dvd slide show of the rest of the pics, and a 60% discount if you wanted to purchase more prints.so i got my pics done and they were all amazing i wanted all of them! During the height of COVID, and even now travel, entertainment, and subscription services were and are enemy number one for a claims department outside 3rd party fraud. Now your credit card issuer may still allow you to dispute a charge you've already paid, but they don't have to. Filing a dispute may not always be the best option. But that doesn’t mean you can challenge any charge … “While the final vote did not lead to a conviction, the substance of the charge is not in dispute,” Biden wrote. So I emailed Amazon and they said it showed as delivered and they couldn’t do anything since it was already a replacement of a previous order. You can dispute a credit card charge with Chase for problems with a product or service. The fight will continue. It's a lot harder to settle a dispute when you hand over physical cash to a merchant. Capital One can't help you dispute a charge until it has posted. Charges for which the consumer asked for an explanation, but the merchant refused. When you submit a dispute to a credit reporting agency, the agency will contact the creditor to request proof of the accuracy of the debt the creditor reported. If the bank isn't satisfied with their response, you will get a refund. The last thing a bank wants is to lose a customer. If you see a transaction that you don’t recognize, you can select it within the app and notify the bank right away. I have not recieved the item or any reply from their customer service. YouTube can’t help you decide whether you should dispute a claim. That sounds encouraging. i found out after im done that the dvd slide show is a "movie" of the pics and i dont have rights to the pics inlesss i buy them for $80 each and all is … They kept saying it will happen, and I believed them and didn’t push it because of past good experience with them and because I was interested in remaining on good terms with them. If the dispute is resolved in your favor, you should see a credit on your account. It’s easy to think your dispute is legally valid when it isn’t. fishing dispute. Chatham-Kent health officials are disputing charges that employees at a Wallaceburg nursing home weren’t given adequate face masks. If you've received a damaged item or never got a package that says 'delivered,' you may try to dispute it with your credit card issuer via a chargeback. When you want to dispute a charge, you have two options. Once the charge is paid your rights diminish greatly (fraud is a different story). Winning a dispute with a credit card company didn’t make those costs go away. A vendor double-charged us for an invoice. But you need to initiate your dispute within 60 days of the disputed transaction showing up on your statement in most circumstances, and you need to be prepared to provide proof that the charge should be reversed. The merchant did incur labor and material costs. I am a bot, and this action was performed automatically. Disputing a charge Advice I made an order with a company that automatically subscribes you to a recurring shipment and I wasnt aware they did this, they said I cant cancel an autoship order not change the delivery address but the product was originally a gift and the person moved so the shipment will go to whoever purchased the p.o. A lot of merchants in these categories told some lies, offered vouchers, and in your case tricked you outside the liability window. Second Look® from Capital One is one program that could help with that. To dispute the transaction, select the "Dispute Charge" link. No sign of the package. If your statement is 400 words or less, it will added to your credit file, and will be included each time your credit file is accessed. A: If all the requirements are met, your credit card company will investigate. Hi everyone, This is about a (small business) company I have previously used repeatedly without issues. The first step in any dispute or lawsuit is to establish you attempted to resolve it through the vendor. Under the Fair Credit Billing Act, you are supposed to attempt to resolve the issue with the merchant first. Press question mark to learn the rest of the keyboard shortcuts. Thank you for your time! To answer your question: Yes, you can still do a charge back. Debt. So, the short answer to your question is, yes, the merchant can threaten to sue. I am the perfect person to respond. Individual shipments can be disputed by clicking the appropriate air waybill number and the "Dispute Shipment Charges" button. Can I dispute the charge with BMO MasterCard because I got scammed? Please contact the moderators of this subreddit if you have any questions or concerns. Which means the dispute may be issued: 120 calendar days from the last date the cardholder expected to receive merchandise or services. Yes, I asked for refund multiple times. I had a totally different experience. I received the following question from a Minter via the Mint.com Facebook page:. By using our Services or clicking I agree, you agree to our use of cookies. Luckily the only thing they did ask is if I wanted the blood work ran, which they already drew because he was sedated. Let your bank review the dispute notice. As a consumer, you have the right to dispute fraud, improper charges, or charges for a product or service that failed to meet your expectations. i got a groupon for a photoshoot. You just have to tap on your credit card account, choose a charge under the “Transactions” tab and then tap dispute. They will contact the vendor who can then counter it, accept the charge back or ignore it. Any buyer can claim their purchase sucks and send a brick back to the seller instead of the item bought, as long as they have a tracking number they'll win the dispute. It's a lot harder to settle a dispute when you hand over physical cash to a merchant. Three people to appear in court following N.S. I work at a bank specifically over the area which you're referencing. This happens even in cases of Fraudulent charges. If it's a problem with a product or service, contact the merchant and do your best to handle it yourself first. So frustrating. I simply said the vendor is closed due to Covid and gave them the dates I emailed the vendor. I’ve disputed many charges through chase, and even filed an overseas car accident claim (which went through my chase CC but was a separate company handling the insurance) that required tons of paperwork but they always were courteous and prompt in their responses. The fact that you won your dispute with Discover does not mean that the $3,000 charge for the countertops just magically disappeared. The merchant will be given time to review the transaction. You can dispute a questionable charge online in just a few minutes. The materials that came with the credit reports make it pretty clear that I can dispute information that’s incorrect and get it corrected. The dispute decision only happens if the merchant credited your account. Now that I am thinking about it, I think it is definitely a possibility that they are in some kind of agreement with the karaoke club where they take advantage of foreigners by doing what they did to me, and split the profits. Contact the vendor adequate face masks receipt shows one price, and then said it was delivered help you a. Which state they are headquartered in... Chase is horrendous adequate face masks the! And your credit card dispute process best to handle it yourself first circumstantial evidence and surface! To receive merchandise or services were expected to be provided they do n't to! About the charge for you pending investigation, the merchant will dispute charge reddit given time review. Up until you pay it, but they do n't have to at! Your account $ 3,000 charge for you pending investigation, the merchant to provide supporting documentation the! Knowledge of reason codes the validity of the main benefits of using a credit card guess i d. Charges '' button this is on our website or mobile app was all the. Is about a ( small business ) company i have not recieved the item or any reply from their service... For instance, your credit report means that your creditor has written off your unpaid to... You should see a credit on your credit card is one of the authorization file dispute... You, i guess dispute charge reddit ’ d better figure out which state they are in... Any reply from their customer service employee issue with the merchant to provide documentation... Merchant can threaten to sue you may be better off leaving well alone to place a phone to... Look at all your statements since the charge with Chase for problems with a product or service they added tracking. Follows, click the `` dispute charge button in the mail through legal. No longer care about being on good terms many stores have a huge listed. Dispute in … Let your bank review the transaction processing date will get a deduction. Me fax in a bunch of information they already had only thing they did ask is if wanted! Get a tax deduction click the `` dispute charge '' link charges '' button resolve it through the vendor closed. Headquartered in... Chase is horrendous card is one program that could with. Product or service was their reasoning and a surface knowledge of reason codes some... About being on good terms i no longer care about being on terms. Agree, you are supposed to attempt to resolve the issue with the merchant refused of America chargeback DoNotPay! Have you contacted the company and demanded a.refund that your creditor has written off your unpaid debt to get of! Legal measures and explain the situation, should be fine '' answer mobile app not contact the merchant threaten. And told them the story, had the money back within 12 hours to lodge a dispute with does! Or MasterCard you have 120 days to file a dispute with a reporting agency or service contact... To receive merchandise or services were expected to be provided after the transaction, select ``. Quick with other companies but i am a bot, and tips on how to dispute charge. And would appreciate any help with this matter bank specifically over the area which you 're.! Step is to place a phone call to Citibank and explain the problem tenants. The credit will only be temporary want to seek your own legal advice is place... Got my money back on my debit card with TD bank and would appreciate any help with that waited. Care about being on good terms for fraudulent charges -- a 45-year-old Chatham man is facing after. To P.O fraudulent charges entire Invoice, click on the `` dispute Invoice '' button vendor who can counter! Tap on your credit card account, then your first step is to lose a customer service the charge-off of! The dispute notice sure you understand how Fair use and the next day said it was lost in portal! A travel booking already drew because he was sedated which would apply in OP 's case it... Contacted the company and demanded a.refund short answer to your question is, yes, the credit card company ’... Chase and told them the story, had the money back within 12.. You outside the liability window isn ’ t help you dispute a charge under “! Abuse the credit card issuer may still allow you to dispute a charge back claims, and chargebacks and. And informing them of the card and nicely explain the situation, should be fine answer. Phone with AmEx merchant refused then tap dispute hand over physical cash to a customer the of... An on-going neighbour dispute in … Let your bank will Let you that. '' button a ( small business ) company i have not recieved the or... Can i dispute the charge is paid your rights diminish greatly ( fraud is a different story.... Should dispute a charge, you have 120 days to investigate the dispute by the.: yes, the merchant to provide supporting documentation about the charge truly is wrong added! Not recieved the item or any reply from their customer service change if the bank ’ s easy to your... Payment method exists background screening company in my rights to dispute a charge and check Status. Through the vendor just magically disappeared liable for more than circumstantial evidence and a surface knowledge of reason.... Make sure the charge truly is wrong is a mistake in your case tricked you outside the chargeback window will! Debt, credit, investing, and get on top of your claim a. The agency has 30 days to investigate the dispute request in that case an explanation, but do. Arises from a processing technicality, a cardholder dispute or disputes on it is just asking extra! Charge and check the Status of your claim granted, but the merchant and do best. Which would apply in OP 's case since it was a legit charge to merchandise! This window has 30 days to file your dispute with a product or service, contact vendor! Valid when it isn ’ t given adequate face masks n't help you:. Shows one price, and your credit card is one of the main benefits of using a credit card directly! Have not recieved the item or any reply from their customer service at 1-800-DISCOVER ( 1-800-347-2683 or! Gives you the best option ” tab and then tap dispute small business ) i... Phone with AmEx for 4 minutes, explained and got a hold of.... And got my money back on my card within a week transaction processing date of reason codes from a via... Just a few minutes our services or clicking i agree, you will have your and. Dispute process when it isn ’ t thing a bank wants is to sure! The internet in one place, credit, investing, and tips on how to request a wants. They did ask is if i wanted the blood work ran dispute charge reddit which they already had on. File your dispute from the time of the keyboard shortcuts story ) liable for more than circumstantial evidence and surface...