I would like a refund of because.Īttached are copies of that document this problem. If you’re contacting the merchant via email or mail, you could use a message like this: If this dispute concerns a subscription, make sure you ask the merchant to cancel the subscription and any future charges. Keep all documentation from the merchant regarding any cancellation or refund. Here are some tips for contacting the merchant: That process can take up to 90 days and may require that you supply additional documentation. When filing a claim through Capital One, and the merchant contests it, we may need to show that they violated their policies and terms that were agreed upon. Merchants are sometimes willing to resolve a concern, even if it’s outside of their policy or terms. Working directly with the merchant is often the fastest way to resolve your dispute. If you still don’t think the transaction is right after checking with your authorized users, looking at pending and posted amounts and automatic billing, you can submit a dispute online. You will need to cancel your free trial or recurring billing service with the merchant to prevent future charges from these merchants. Sometimes a recent charge is a free trial or a recurring billing service you signed up for. For example, your authorized user may have charged your shared account while on a business trip before you have all the details.Ĭheck your receipts-it’s easy to confuse similar charges or forget about tips. Enroll in Online Banking or download the mobile app to manage your account and keep an eye on pending and posted transactions.Ĭheck with other people authorized to use the credit card account to make sure they didn't make the charge. Capital One is unable to dispute a transaction while it is in a pending status. Make sure the charge has posted to your credit card account. What should I do first if I have a problem with an authorized charge?īefore you dispute a charge, do a quick double-check: If you file a dispute about a transaction with a merchant, Capital One asks the merchant to review the disputed charge and its associated terms and conditions. In contrast, with disputes involving fraud, you and the users on your account do not recognize the transaction or merchant, or you or the users on your account did not authorize the merchant to charge your credit card.] In a merchant dispute, you recognize the transaction and you authorized the merchant to charge your card, but there’s an issue with the service, the amount of the charge, or the merchandise (for example, quality, missing items, or service wasn’t provided).
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