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