You can dispute a charge on a Discover card online or by calling Discover customer service at 1 (800) 347-2683. To dispute a charge online, click on the “Activity & Statement” page and select the transaction you want to dispute. Alternatively, the address to dispute a charge by mail is: P.O. Box 30945 / Salt Lake City, UT, 84130-0945. Discover disputes are typically resolved within 30 to 60 days, though more complex issues may take a little longer.
How to Dispute a Charge on a Discover Card Online
- Log into your online account on Discover's website.
- Click on “Activity & Statement” at the bottom of the page.
- Search for the transaction in question.
- Select the transaction for more details.
- Click “Dispute Charge” to open an inquiry.
- Check for a letter or e-mail from Discover confirming receipt of the dispute.
Before you dispute a charge through Discover, however, you should first contact the merchant directly. 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 Discover dispute.
Once you’ve initiated the dispute, Discover will contact the merchant and review any information provided by both parties. You won’t be charged for the transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Discover card normally while a dispute is ongoing.
Discover 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 applicable fees and any interest charges that accrued during the dispute, starting from the original purchase date.
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