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). A merchant dispute is not the same as an unauthorized charge.Capital One can't issue refunds on behalf of merchants. For example, you should not dispute a purchase if you want to cancel plans or if you're dissatisfied with what you received.

A dispute is not the same as requesting a refund from the merchant, which you should do in situations where you want your money back.

Although this can include instances of unauthorized use, typically dispute issues or errors are with merchants that are authorized to charge your credit card. If you believe there is an error with a charge on your credit card account or an aspect of your periodic statement, explore these options to resolve the issue as quickly as possible.Ī credit card dispute is a process in which you assert that there is a billing error on your account or that a merchant did not honor their terms and conditions.

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