How to Dispute a Credit Card Charge. An unrecognized or incorrect charge on your credit card statement can be alarming, but it's often easy to put out the flames.
Things You'll Need
- Credit Cards And Loans
Identify incorrect charges.
Contact the merchant directly if the charge amount is incorrect. Explain the situation and ask the merchant to correct it.
Contact your credit card company if the merchant is unable or unwilling to assist you. Tell the credit card company you would like to dispute a charge on your account.
Give your information to the credit card company over the phone. Some companies will send you a form to complete, sign and return. These forms often require an explanation of the situation, as well as copies of any receipts.
Wait to hear the resolution. Your credit card company is obligated to respond to you within 30 days of receiving your completed form.