For shoppers · checked 28 October 2026

How do I dispute a charge with Chase?

Sign in to chase.com or the Chase app, open the transaction and choose Report a problem. It works for Chase credit cards and checking accounts. If the charge is fraud, contact Chase straight away instead of waiting.

Steps (chase.com or the app)

1. Sign in and open the card or checking account with the charge.
2. Tap the transaction, then Report a problem.
3. Pick the reason: for example not received, not as described, cancelled, charged twice, or a refund that never arrived.
4. Fill in the form with what happened and when you contacted the merchant.
5. Review and submit.

To track it: open the account, tap the three-dot menu, then Account Services and Track Disputes.

Before you file

• Ask the merchant first, in writing. A refusal or no reply makes your dispute much stronger. How to ask for a refund.
• Gather proof: receipt, order page, tracking, photos, cancellation confirmation and your messages with the seller.
• Write it plainly: what you bought, what went wrong, what you asked the merchant for, and what you want back.

Your deadlines

• Credit card billing errors (Fair Credit Billing Act): dispute within 60 days of the statement showing the charge. The card issuer must acknowledge within 30 days and resolve it within two billing cycles, no more than 90 days.
• Debit card or checking fraud (Regulation E): report fast. Your liability can be capped at $50 if you report a lost card within 2 business days, and grows the longer you wait.
• Card network chargeback limits are often around 120 days. Chargeback time limits.

Want the letter written for you?

Our free tool picks the right route, shows your deadline, and writes the dispute text you can paste into the Chase form: get a card refund.

Related: Apple Pay · Venmo · Cash App. Sources: Chase, "Dispute a transaction" help page; Fair Credit Billing Act (15 U.S.C. 1666); Regulation E (12 CFR 1005.6). Not affiliated with Chase. General guidance. Read 28 October 2026.