Dispute a credit card purchase: see how to do it

Dispute a credit card purchase It's a task that always comes up at a boring time.

After all, not recognizing a discount on your card could be indicative of security issues related to it.

But what is a purchase dispute? When should one be filed? How do I request one? What should I do after the request? 

These and other questions served as a basis for the construction of the following content.

So, if you want to resolve all of them and understand everything about purchase disputes, come with us, as we have the answers you need! 

What is a purchase dispute?

It is very common to hear about purchase dispute.

In general, this term always appears when someone complains about a very high bill, or one that does not correspond to the expenses incurred.

The first recommendation in these cases is to dispute the purchase, but what is that? 

Purchase dispute is a procedure carried out by all companies. credit card.

The purpose of this procedure is to check and certify whether a purchase was actually made by the customer.

This way, it is possible to avoid fraud by checking purchases.

This is because, if it is found that the customer did not make that purchase, this is an indication that the card is being used improperly.

Therefore, the first suspicion becomes data cloning, a common practice among scammers, who then use the card.

This conference is important to relieve the client of responsibility for these expenses.

This way, the card company can cancel fraudulent purchases, avoiding losses to itself and the customer.

But, it's worth mentioning that disputing a credit card purchase isn't just for fraud.

This is because it is not uncommon for invoices to contain incorrect charges.

In these cases, it is common to see duplicate purchases, or purchases that were not made that month.

In this case, the dispute serves to prove that the charge is undue, and thus adjust the invoice for the correct amount.

So, for you to understand: the dispute serves to review a purchase, and thus certify whether it was actually made.

What to look for before disputing a credit card purchase 

By now you understand what the purchase dispute.

This way, you know that this is the correct procedure to seek explanations when you have questions about a purchase.

But, be careful, because the contestation is a complex procedure, in which the company carries out a rigorous analysis.

Therefore, it should not be requested for anything, and it is important that you check a few items before using this feature.

This is because it is not uncommon for us to not remember the purchase, or to be unable to identify it, but it actually occurred.

In this case, if you request the analysis, the answer will be negative.

So, let's now look at some items that should be observed before contesting a credit card purchase.

Monthly subscriptions 

Monthly subscriptions are a great way to encourage customers to dispute credit card purchases.

This is because it is very common for customers to sign up for monthly plans and forget about them after a while.

In this case, when the charge arrives, the person does not recognize it and thinks there is some fraud.

Therefore, before filing a dispute, make sure you do not have any signatures, or if you do, check what they are.

This way, you avoid wasting time, and you have the chance to cancel if you don't use it! 

Installment purchases – check before disputing a credit card purchase

Just like subscriptions, installment purchases may also not be recognized.

This is because it is common for us to evaluate the invoice considering the expenses incurred in the month.

And, since the installment purchase comes from a past event, it is common for us to not remember it.

Therefore, before disputing a credit card purchase, you need to evaluate the data in detail.

This way, you can know when a purchase was made and whether it was made by you.

Did you lend your card?

And finally, the last thing you should consider before filing a purchase dispute is the possibility of a loan.

This is because, when looking at the purchase, it is common not to recognize it, after all, it was not you who made it.

But, from the moment you lend your card, the purchases made are your responsibility.

Therefore, disputing a credit card purchase will not help you in this case.

Therefore, if you have the habit of lending your card to others and are unable to recognize a purchase, check the date to determine whether the loan was made on that day.

This way, it will be possible to understand and charge the person for the expense incurred, since the card company is not responsible.

How do I dispute a credit card purchase?

After everything we've seen, you now know what a dispute is and what precautions you need to take before filing one.

With that, all that's left is for us to explain how to dispute a credit card purchase.

It is worth mentioning that this is a procedure that depends on the card company.

Therefore, the first thing you should do is read your card agreement to understand the rules that apply in this case.

But, let's give a general explanation, which usually applies to almost all cards.

The first step is to review your invoice in detail to understand whether the purchase is truly unknown.

Once this is done, identify the purchase, as this information will be requested.

Now, you will need to contact your card company's customer service department.

Ideally, you should make this dispute via email or app.

This is because you can attach photos and receipts that help identify the fraudulent purchase.

Therefore, open a dispute request, and state the reasons for the request.

Once this is done, just wait for the company to analyze it, which usually takes 5 to 20 business days.

Companies usually send the results of the dispute via email, so keep an eye on your inbox.

If the dispute is positive, the charge will no longer appear on your invoice.

However, if the analysis concludes that there was no fraud, the company cannot remove it and will explain the reasons for the decision.

It is worth mentioning that you can request a new analysis if the first one is not satisfactory.

Remember that the more evidence you submit, the greater your chances of success.

Additionally, it is important that you block your card while awaiting the outcome of the dispute.

This is because if there is indeed fraud, this will protect your data.

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Appeal denied: why does it happen, and what to do?

One of the possible results after disputing a credit card purchase is a denial.

In this case, the company was unable to identify any fraud that would guarantee that the purchase was not made by the company.

In this case, as there is no evidence, the charge will remain.

We know this situation is very uncomfortable, but what can be done? 

After having a dispute denied, you should ask the company for an explanation.

This is because, during the analysis, they can obtain information that proves that the purchase is yours.

This way, after obtaining the records, it is easier to evaluate and identify whether the purchase is actually yours.

However, if even after this request, you still do not identify the purchase, you can open a new analysis request.

In this case, it is best to look for some kind of proof.

You can, for example, use the following items:

Place of purchase: if it is far from your address, it is already an indication that you were not the one who bought it;

Value: If it is much higher than what you usually spend, it can help prove that it is fraud;

Store Type: By evaluating your purchasing pattern, the company can find out who made the purchase.

If you have any of these items, send the receipts and file a new dispute.

And, if even after the second challenge, the answer is negative, you can try to resolve this legally.

In any case, it's always best to protect your card to avoid fraud and avoid having to go through this entire process.

But if you gather the necessary information, the chances of getting a positive return are greater.

So, if you need it, be sure to dispute credit card purchase! 

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