How do I dispute a charge on a Discover card?

To dispute a Discover it® Secured Credit Card charge, log in to your Discover it Secured Credit Card account online and search for the transaction to dispute, or call Discover customer service at 1 (800) 347-2683. Alternatively, the address to dispute a charge by mail is:

Discover Bank
Attn: Billing Inquiries
PO Box 30416
Salt Lake City, UT 84130

Discover it Secured Credit Card disputes are typically resolved within 60 days, though more complex issues may take a little longer.… read full answer

How to Dispute a Discover it Secured Credit Card Charge Online

1. Log in to your online account.
2. Click the "Activity and Statement" tab.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Dispute Charge" to open an inquiry.
6. Check for a confirmation e-mail from Discover verifying receipt of the inquiry.

Before you dispute a charge through Discover, 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 Discover.

Once you’ve initiated the dispute, Discover 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 Discover it Secured Credit Card as you normally would 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 any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.

You have 60 days to dispute a credit card charge, per the Fair Credit Billing Act of 1974. The 60 days start from the day the statement containing the erroneous charge was mailed to you or made available online (if you’re enrolled in paperless billing).

So, waiting for a paper statement to arrive in the mail could cost you at least a few of those 60 days, whereas you can examine your statement online right away. You can typically start the dispute process online or by giving the card’s issuer a call. The issuer must acknowledge your dispute within 30 days of receiving it and resolve the matter within 90 days.… read full answer

Here’s how long you have to dispute a credit card charge:

• You have 60 days from when the relevant monthly statement was sent. That’s the postmark date for paper statements or the sent date for an email statement.
• The issuer must send a written acknowledgment within 30 days of receiving your dispute. They must evaluate your claim and contact you with their decision within 90 days of receiving the dispute. If they agree with you, you’ll get a refund. Otherwise, you’ll still have to pay for the charge.
• The credit card’s issuer may ask you to submit your dispute in writing, along with proof that the charge is incorrect, like receipts or a police report.
• Because of the limited time to dispute, you should always go over your statements right after you receive them. Make sure there are no charges you didn’t make, no wrong amounts, no inflated tips, and no items that arrived damaged that were not refunded.
• If you review your monthly statement online, you may see a button to dispute charges. Otherwise, call the number on the back of your card to reach the issuer’s customer service and explain the situation.

While 60 days usually is plenty of time to dispute a credit card charge, it’s always a good idea to be proactive. Waiting too long might mean having to pay more than you really owe.

To dispute a Discover it® Cash Back charge, log in to your Discover it Cash Back account online and search for the transaction to dispute, or call Discover customer service at 1 (800) 347-2683. Alternatively, the address to dispute a charge by mail is:

Discover Bank
Attn: Billing Inquiries
PO Box 30416
Salt Lake City, UT 84130

Discover it Cash Back disputes are typically resolved within 60 days, though more complex issues may take a little longer.… read full answer

How to Dispute a Discover it Cash Back Charge Online

1. Log in to your online account.
2. Click the "Activity and Statement" tab.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Dispute Charge" to open an inquiry.
6. Check for a confirmation e-mail from Discover verifying receipt of the inquiry.

Before you dispute a charge through Discover, 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 Discover.

Once you’ve initiated the dispute, Discover 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 card as you normally would 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 any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.