How to Dispute a Fraudulent Charge and Win

Learn the exact steps to dispute fraudulent charges on your credit card or bank account and get your money back quickly.

1. Report the fraud immediately. Call your bank or credit card company as soon as you spot a fraudulent charge. Use the customer service number on the back of your card, not a number from an email or text. Most companies have 24/7 fraud hotlines that can freeze your account and start the dispute process right away.
2. Follow up in writing within 60 days. Send a written dispute letter to your card issuer's billing inquiries address (found on your statement) within 60 days of the statement date. Include your account number, the disputed charge amount and date, and a clear explanation of why it's fraudulent. Keep a copy and send it certified mail.
3. Gather and submit supporting documentation. Collect any evidence that supports your case: receipts showing you were elsewhere, emails proving you canceled a service, or screenshots of unauthorized transactions. Submit these documents to your bank's fraud department through their secure portal or by certified mail. The more documentation you provide, the stronger your case.
4. Monitor your provisional credit. Your bank must provide provisional credit (temporary refund) within 10 business days while they investigate. Check that this credit appears on your account and doesn't get reversed accidentally. The investigation typically takes 30-90 days, during which time you're not responsible for paying the disputed amount.
5. Follow up if the dispute is denied. If your bank denies the dispute, you have 10 days to request the evidence they used in their decision. Review this information and submit additional documentation if you have it. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB) if you believe the denial was unfair.