How to dispute a transaction

Before filing a dispute

• Contact the merchant first. They may resolve your claim faster. We may also require information from the merchant to process your claim, so contacting them directly may save you time. Merchants can resolve charge errors within a few days, where it can sometimes take a financial institution weeks to resolve.
• Only posted transactions can be disputed. Pending charges are temporary and may change. One is not able to cancel a pending transaction, only a merchant can potentially do so.

How long will it take to resolve a dispute?

• Keep in mind, disputes are often resolved more quickly if you contact the merchant first. The time it takes to resolve your dispute depends on the type of dispute and the merchant, but it may take up to 90 days. 
• We will determine within 10 business days, 20 business days if your account is considered new, from your claim submission if you qualify for provisional credit.
• FYI: Disputes are 100% handled via email with the Customer Claims team. 
• Emails are responded to in the order they are received. Thank you for your patience.

How to file a dispute

NOTE: If you see unauthorized transactions in your account, immediately mark your card as lost or stolen. We will send a replacement card and you will be able to use your virtual card in the interim. 

To file a dispute, please contact us by submitting a request here. We'll ask you to provide the following information to help us process your request as quickly as possible:

• Reason for the dispute - Please file a separate request for each reason. Multiple transactions of the same dispute type can be submitted together
• Disputed transaction(s) date
• Disputed transaction(s) amount
• Disputed merchant(s)
• As much information as possible about the transaction
• We may ask you to send us documents or records of the charge in order to bolster your case. To get a head start, please attach any documentation — such as emails, letters, invoices, receipts, contracts, or any other documents you think would be helpful in the dispute investigation