![]() I called the fraud department, told them it MIGHT be legitimate or it MIGHT be fraud, and that I couldn't fathom why it was about 8 months behind if it was legitimate. It was a charge for a vendor that I visited in January 2020, but a charge came through in August 2020 for that vendor. The first was a charge that MAY have been fraudulent, but I wasn't 100% sure. The first was mostly hassle free (2 phone calls), and the second was basically automatic. I have not had this happen with Chase, but I did have 2 fraud issues with BoA that got resolved. This last part about destroying the old card is definitely accurate, even though I don’t have knowledge of exactly how or when the new card left my possession, other than that it was shortly after activation. And because I had forgotten about having received an updated card, the one I destroyed when I closed the account was (unknown to me at the time) the old card. Because I normally don’t keep that card in my wallet, its absence didn’t raise any red flags for me. ![]() Then, the updated card was physically lost or stolen out of my wallet, without my knowledge. When I did this, I didn’t immediately destroy the original card because I knew it was in a safe place and I could destroy it later. The ability to dispute a charge is a great example of the additional security and protection provided by credit cards and the companies that issue them.But, after thinking about the sequence of events that led up to this, a possible explanation for the “card present” transaction started to form in my mind, which I now believe is very likely accurate: I did receive the updated card, and I did activate it and put it in my wallet, even though I don’t normally keep that card in my wallet (again, a rarely used one). Step Six – Verify and submit your dispute!Ĭhase will work on your behalf to investigate and resolve the dispute, and in the meantime the charge will be temporarily credited to your account and you will pay no interest on the charge during the dispute period.Ĭhase will allow the merchant to respond to the dispute and will evaluate that response and determine the appropriate action to take regarding the disputed transaction (allow the charge to post or to deny the charge and reclaim the funds).ĭO NOT dispute a legitimate transaction! Not only will it waste your time, Chase’s time, and the merchant’s time, but it is also considered FRAUD… Note: Consuming too many beers is not a legitimate reason to dispute your bar tab… but if you were erroneously charged for drinks you did not consume/authorize, then that CAN and should be disputed! Step Five – Provide additional details to support your dispute Step Four – Select the amount (full or partial) and the reason for your dispute Step Three – Review credits to your account that may relate to the charge in question Step Two – Review your statement, identify and select the charge that you want to dispute Step One – Head to the Chase Dispute a Charge Online site Two – Online at Chase Dispute a Charge Onlineįor those of you who prefer to not speak on the phone to an actual human being – here is the process for filing a claim online: One – Call the 1-800 number on back of your credit card (1-80 for the Chase Sapphire Reserve) There are two ways to dispute a charge on your Chase credit card account. I chose to dispute the charge and followed the steps outlined below to ensure the $2,000 was removed from my bill. I immediately dialed up PNC Bank to inquire and was told that the bank did not receive any funds and had no additional details to provide me.Īt that point, my next course of action was to follow up with Chase, who suggested I either wait for the statement to close and follow up with PNC, or dispute the charge with Chase, who would then investigate the transaction on my behalf. Unfortunately for me, they were nowhere to be found and my PNC account was showing a disappointing $0.00 balance across the screen. Since the charge was a hefty $2,000.00 I really wanted to confirm that those funds were actually received in my new PNC Checking Account. This is a big charge posted on my account and I was able to determine right away that it was related to the funding of a PNC Bank Checking Account a week or so back. ![]() I was recently reviewing some of my charges and noticed one specific charge to PNC Bank for $2,000.00. I typically make hundreds of transactions within a month and there is no way that I would be able to identify the legitimacy of one of these charges 30 days down the road! I prefer to review my accounts this way, rather than at the end of the month when my statement appears because I find it much easier to identify incorrect charges to my account earlier on. Throughout the month I make it a habit to frequently login to my online credit card accounts to review activity.
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