Charged for something you didn't get, or hit with a fraudulent transaction? You often have several ways to fight back. Here's how to dispute a charge the smart way.

Start with the seller

Before anything formal, contact the business in writing. Clearly state the problem, what you want and a deadline. Many issues resolve here, and a clear paper trail strengthens any later action.

Chargebacks

If you paid by card and can't resolve it with the seller, a chargeback lets you ask your bank or card provider to reverse certain charges — for fraud, goods not received, or items not as described. There are usually time limits, so act quickly and keep your evidence.

  • Gather proof: receipts, order confirmations, messages and photos.
  • Note deadlines: disputes often must be raised within a set window.
  • Be honest: chargebacks are for genuine problems, not buyer's remorse.
For suspected fraud on your account, report it to your bank immediately. Prompt reporting can limit your liability and help stop further unauthorized charges.

Escalating further

If a chargeback isn't appropriate or fails, consumer protection agencies, ombudsman services or small claims court may be options, depending on the amount and your location.

The bottom line

Document the problem, try the seller first, use a chargeback for qualifying card disputes, and escalate to agencies or court if needed.

General information only, not legal advice. Dispute rights and procedures vary by jurisdiction and provider.