How Do I Dispute a Charge with Discover?

If you have noticed a charge on your Discover account that you don't remember making, you can dispute the charge to try to get it taken off your account before paying it. You can do so online, by mail, and by phone, in some cases. Before you begin the dispute, though, there are a couple of other steps you should take.

Finding a transaction you don't recognize on your Discover card statement can be concerning. It could be a sign that someone has stolen your account number. You need to get the problem fixed as soon as possible, and that usually includes disputing the transaction. Before calling Discover, there are other steps you can take.

Before You Dispute the Charge With Discover

Before you attempt to dispute the charge with Discover, ask anyone else who has access to your account if they made the charge. If they did, the mystery is solved. If not, you should attempt to dispute the charge with the merchant involved in the transaction. He or she will have all the transaction data on hand and might be able to resolve the problem quicker than Discover. If the merchant refuses or is unable to help, it's time to dispute the charge with Discover.

Disputing the Charge With Discover Online

To initiate the dispute online. Just follow these instructions:

  1. Go to Discover's website.
  2. Log into your account.
  3. Go to your Activity and Statement page.
  4. Select the transaction you wish to dispute.
  5. Click on Dispute Charge.
  6. Click on Upload Documents to upload any documents you think could help prove your case.

Disputing the Charge With Discover by Mail

You can also dispute the charge by mail, which can be helpful if you are unable to scan in the documents Discover needs. Write a letter to Discover stating that you dispute the charge, along with the transaction number, transaction date, and merchant name. Enclose any documents you may have that could help prove your case. Mail all information to:

Discover
P.O. Box 30945
Salt Lake City, UT 84130-0945

Disputing the Charge With Discover by Phone

You can also dispute the charge by phone if you have no documents to send in to Discover. You'll need to have your account number, transaction number, transaction date, and merchant name on hand before you call.

Once the Dispute Has Been Initiated

Once the dispute has been initiated, Discover will send you a confirmation email or letter. The investigation should most likely take between 30 and 60 days. However, if complications arise, it could take longer. During the investigation, there is no need to pay the disputed charge.

Contacting Discover

You can reach Discover's customer service by help forum, chat, or phone.

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

After thousands of Discover 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 Discover? 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 Discover 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 Discover Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Discover 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 Discover? 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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