With over a decade of writing experience in the field of technology, Chris has written for a variety of publications including The New York Times, Reader's Digest, IDG's PCWorld, Digital Trends, and MakeUseOf. Chris has personally written over 2,000 articles that have been read more than one billion times-and that's just here at How-To Geek. Some banks may put the money back in your account immediately and take it back if you lose the dispute, while others will hold onto it until you win a dispute.Ĭhris Hoffman is the former Editor-in-Chief of How-To Geek. This feature may not be readily available online, but the bank's customer service can help you with it. If it ran as debit-in other words, if you entered the PIN when making a purchase-the process likely wouldn't be as easy for you.Ĭontact your bank to dispute a debit card transaction. If your debit card ran as "credit"-in other words, if you didn't enter your PIN while making the purchase-your bank has to follow the same Visa or Mastercard rules for handling a dispute. You can still file a chargeback dispute through your bank if you used a debit card. Credit card companies may give you more time, but that's the minimum required by law. For example, under the Fair Credit Billing Act, you have up to sixty days to dispute a transaction after the statement is mailed to you. In the US, you have rights to dispute transactions under the Truth in Lending Act and Fair Credit Billing Act-but only when using a credit card. You have more consumer protections when you use a credit card for purchases. You didn't receive credit for a return: If you return an item and the merchant doesn't credit your card or reverse the transaction within a reasonable amount of time, you can initiate a chargeback to get your money.This can help you avoid surprise foreign transaction and currency conversion fees. You were charged in the wrong currency: If you were charged in a foreign currency without being notified of that fact, you could initiate a chargeback.You were charged the wrong amount of money: If you see a charge that doesn't match what you agreed to pay, you can fix the problem through a chargeback.You were charged twice for the same thing: If you see duplicate transactions on your card and the merchant only should have charged you once, you can initiate a chargeback to get rid of them. If you cancel the service, but the business refuses to honor the cancellation and keeps charging you (also like MoviePass), you can initiate a chargeback to stop them.
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