How Do I Dispute a Charge with Capital One?

For individuals with a Capital One credit card who have noticed an error in billing or misrepresented charges, this article provides steps on how to file a dispute. The reader is given information on what to do before contacting Capital One. Starting with the merchant is explained as the quickest and easiest route to settling a dispute. Readers are informed Capital One can take up to 50 days to settle a disputed charge and what happens during the process.

There may come a time when you have to dispute a charge on your Capital One credit card, but don't know what steps to take. How do you dispute a charge with Capital One? You can contact customer support here for assistance and information. You can also follow the steps outlined below on filing a dispute.

What Is a Disputed Charge?

First, it's important to understand what Capital One means by a disputed charge or dispute. Capital One defines a dispute as the process you utilize to contest an error in billing on your account or a charge where the merchant did not honor the terms and conditions set forth when you made the purchase.

How to File a Dispute

Here are the steps to filing a dispute on your Capital One credit card:

Before Filing the Dispute

  1. Double-check your statement. Make sure the charge is actually showing up on your Capital One credit card bill. If it is not, Capital One cannot process your dispute claim.
  2. If you have added other authorized users to your card, make sure they didn't make the purchases in dispute.

Start with the Seller/Merchant

Capital One recommends you start with the merchant first when you have a disputed charge. This is often the quickest and easiest way to settle the dispute. When you contact the merchant make sure you provide the following information:

  1. Date and time of the disputed charge.
  2. Amount of the disputed charge.
  3. Items listed as purchased.
  4. Desired outcome (refund/credited back to your card).

Filing a Dispute with Capital One

If you are unsuccessful in getting the matter resolved with the merchant, your next step is filing a dispute with Capital One. You can start your dispute claim by contacting customer service here.

What Happens Next

Capital One can take up to 50 days or more to fully settle your dispute. While the claim is being investigated, a temporary credit is applied to your credit card. Note, if your dispute is denied by Capital One, the credit will be removed, and you will be responsible for the amount of the purchase. When you file your dispute, the following happens:

  1. Capital One will gather information from you.
  2. Capital One will contact the merchant and the merchant's bank notifying each of the dispute.
  3. The merchant can accept or reject the dispute.
  4. If rejected, Capital One will look at the terms and conditions to see if the merchant is responsible for the amount and the temporary credit can be permanent if it is determined the merchant is responsible. If it is determined the merchant is not at fault, you will be responsible for the charges and the credit will be removed.
  5. If the merchant accepts the dispute, the temporary credit to your account will be permanent.
  6. Capital One will notify you in writing of the dispute resolution.

Filing a dispute when you notice an error on your Capital One bill can help you recover monetary losses due to failure to follow terms and conditions or unauthorized charges. For more information, contact Capital One customer support here.

Why Did GetHuman Write "How Do I Dispute a Charge with Capital One?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Dispute a Charge with Capital One? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Dispute a Charge with Capital One? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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