How do I dispute a Citi Secured Mastercard charge? This question is about the Citi® Secured Mastercard®

How do I dispute a Citi Secured Mastercard charge?

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This question is about the Citi® Secured Mastercard®

Sebi Mitchell, Credit Cards Moderator

@sebim • 03/15/21 This answer was first published on 03/15/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To dispute a Citi® Secured Mastercard® charge, log in to your Citi Secured account online and search for the transaction to dispute, or call Citibank customer service at 1 (800) 950-5114. Alternatively, the address to dispute a charge by mail is:

Citibank Customer Service
PO Box 6500
Sioux Falls, SD 57117.

Citi Secured disputes are typically resolved within 30 days, though more complex issues may take a little longer.

How to Dispute a Citi Secured Charge Online

Log in to your online account.
Click the "Account Details" tab.
Search for the transaction in question.
Select the transaction for more details.
Click "Dispute Charge" to open an inquiry.
Check for a confirmation e-mail from Citibank verifying receipt of the inquiry.

Before you dispute a charge through Citibank, you should first contact the merchant associated with the charge on your card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Citibank.

Once you’ve initiated the dispute, Citibank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Citi Secured as you normally would while a dispute is ongoing.

Citibank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.

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