Maria Adams, Credit Cards Moderator
@m_adams
To dispute a U.S. Bank charge, log in to your U.S. Bank account online and search for the transaction to dispute, or call U.S. Bank customer service at 1 (800) 285-8585. Alternatively, the address to dispute a charge by mail is:
Cardmember Service
PO Box 6352
Fargo, ND 58125-6352.
U.S. Bank disputes are typically resolved within 60 days, though more complex issues may take a little longer.
How to Dispute a Charge on a U.S. Bank Card Online
- Log in to your online account.
- Click the "Transactions" tab.
- Search for the transaction in question.
- Select the transaction for more details.
- Click "Dispute this Transaction" to open an inquiry.
- Check for a confirmation e-mail from U.S. Bank verifying receipt of the inquiry.
Before you dispute a charge through U.S. Bank, you should first contact the merchant associated with the charge on your U.S. Bank 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 U.S. Bank.
Once you've initiated the dispute, U.S. Bank 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 U.S. Bank card as you normally would while a dispute is ongoing.
U.S. Bank 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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Do they give you a temp credit? If they do how long before it shows up in your account?
Does it really take 120 days before I can get my money back from a dispute ?