When you ask for a service, the first thing you want is that everything turns out to be perfect. However, it can be a huge bummer and disappointment when things do not work out the way you want. This can be for anything and everywhere. Whether you are sitting in a restaurant and you get bad food or the clothes you buy are damaged, all of this can be called bad service.

The same thing can happen when it comes to the credit card services. We want our credit cards to work smoothly, and you won't face any problems during the money transactions. The best thing here is to resolve the issues and ask the bank to better their services; however, sometimes the bank refuses to settle the problem. Now, this can cause disputing a credit card charge for bad service.

If you want to learn how to dispute a credit card charge for bad service, then this article has all the information that you need. So, let's jump right into the article and have a look at it.

What is a Chargeback?

Many people might not even know what is a chargeback. The chargeback happens when someone requests a refund from the credit card issuer but not from the store. After you request the chargeback, you will get some interest-free time, and the card issuer will take about 90 days to investigate the matter and, after that, return the money.

Now, you might be thinking about when to initiate the chargeback or the dispute. There are different reasons why you can dispute the credit card charge. Suppose you were charged for something that you didn't authorize. You didn't receive the payment for a refund that you were promised, you got a product that was not damaged, and lastly, if there was a subscription that got canceled, but you were still charged for it. All of this can be the basis for you to dispute a credit card charge for bad service.

How to Dispute a Credit Card Charge for Bad Service?

Now, coming to the main part, that is what to do when you get a bad service and you want to dispute a credit card charge for it. The very first thing that you need to do is let the store or the merchant know about the problem. If you solve the problem with the merchant instead of taking it to the bank, it will be much quicker and hectic-free. You should let them know that you were charged wrongly and that your money should be reversed back to your card.

If the merchant does not want to work with you and does not want to help you with resolving the dispute, then you can use the Fair Credit Billing Act, which is a federal law that gives a right to people to dispute charges.

You must ensure you are filing the complaints within 60 days of the transaction in order to dispute the charge. If you do it after 60 days, then your complaint won't be filed, and it won't be considered.

Now, how you can do this? Mostly, the person needs to sign into their account and then provide the information, such as the account number. After you have signed in, you will find the option for the dispute, and it is commonly under the Account Services or the Account Options menu. This is the place where you will need to start the dispute process or complain about the chargeback.

You can even file the dispute through the phone, mail, and even the mobile apps. All you need to do is complete the requirements and mention the information they ask, and you can simply file a report.

Steps for the Dispute Credit Card Charge:

Following are the steps that go behind the entire process when you file a dispute complaint.

• First, you file the chargeback request online or go in the back.
• Then, the card issuer will go through your complaint, verify the problem, and ensure that the dispute is valid.
• After they have ensured that the request is valid, they will send it further to card networks such as Visa, MasterCard, American Express, and even Discover, and they will send you a temporary account credit.
• The network will further check the dispute, and then they will forward it to your card issuer, who will pay you for the wrong charge, or they will send it to the merchant and tell them to pay you back.
• If the merchant gets the dispute, then they have two ways out of it. One, they can send the dispute back to the card network, or if they know that it is their fault, then they will forward it to the merchant head.
• Now, if the merchant is getting the dispute, then they either have to pay back the money or dispute the chargeback.
• If your merchant decides to pay for the problem, then the issue will be resolved there and then. However, if the merchant decides to send it back to your issuer, then it will create more chaos, and the process will go back and forth.
• In the end, it is seen that the card network will decide who is going to pay. After the dispute is settled, the card network will take back the temporary credit you were given to compensate for the dispute.

Conclusion:

The credit card can be very beneficial for people and help you in many different ways. However, sometimes it can cause problems for people when they get charged wrongly, or there is some system glitch. But there is also a way through which you can fix this issue, and that is by disputing the credit card charge and asking for your money back. This can be a tedious process, but if you want your money back, then you need to do this. So we hope this article was beneficial for you in learning more about how you can file the dispute and the things you should be expecting.