How to dispute a credit card charge chase?

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Disputing a credit card charge with Chase can be a straightforward process if you follow the necessary steps. Whether you’ve been billed incorrectly, received a defective product, or experienced fraudulent activity on your account, Chase provides options for resolving these issues. In this article, we will guide you through the process of disputing a credit card charge with Chase and help you understand your rights as a consumer.

Understanding Your Rights

Before diving into the process of disputing a credit card charge with Chase, it’s essential to understand your rights as a consumer. The Fair Credit Billing Act (FCBA) protects consumers from unauthorized charges, billing errors, and fraudulent activity. According to the FCBA, you have the right to dispute charges within 60 days of the statement date where the charge appears.

Reviewing Your Statement

The first step in disputing a credit card charge with Chase is to carefully review your statement. Look for any unfamiliar or incorrect charges. It’s essential to keep track of your purchases and compare them with the charges on your statement regularly. If you spot any discrepancies, you can proceed with the dispute process.

Contacting Chase

Once you have identified a charge that you wish to dispute, it’s time to contact Chase. You can reach out to Chase’s customer service through their website, mobile app, or by calling the number on the back of your credit card. Explain the situation and provide all the necessary details, such as the transaction date, amount, and a clear explanation of why you believe the charge is incorrect.

Temporary Credit

After contacting Chase, they may offer you a temporary credit while they investigate the dispute. This temporary credit ensures that you are not responsible for paying the disputed amount until the issue is resolved. It’s important to note that Chase is not obligated to provide a temporary credit, but they often do to maintain customer satisfaction.

Investigation Process

Once you have reported the disputed charge, Chase will initiate an investigation. They will review the details you provided and may request additional documentation or evidence to support your claim. It’s crucial to cooperate with Chase during this process and provide any requested information promptly.


After completing the investigation, Chase will inform you of their decision regarding the disputed charge. If they find in your favor, the charge will be removed from your statement, and you will not be responsible for paying it. However, if Chase determines that the charge is valid, they will reinstate it on your statement, and you will be required to pay the amount.

Appealing the Decision

If you disagree with Chase’s decision, you have the right to appeal. You can provide any additional evidence or documentation that supports your claim and request a re-evaluation of the dispute. Chase will review your appeal and make a final decision based on the provided information.


Disputing a credit card charge with Chase involves understanding your rights, reviewing your statement, contacting Chase, and cooperating with their investigation process. By following these steps and providing all the necessary information, you can increase your chances of a successful dispute resolution. Remember to keep track of your purchases, report any discrepancies promptly, and be prepared to provide evidence to support your claim.