Response steps
- Contact the issuer immediately using the number on your card or its official app.
- Explain whether the charge was unauthorized or you authorized it because of deception. Ask which dispute options, deadlines and submission methods apply.
- Save the case number. Ask how to add evidence and when to follow up.
Records to keep
- Statement entry, amount, date and merchant descriptor
- Receipts, order confirmations, emails, chats and website screenshots
External resources
JDL is not affiliated with, endorsed by, or acting on behalf of the Federal Trade Commission, the Federal Bureau of Investigation, IC3, any bank, card issuer, payment network, or government agency.
Informational Notice
JDL provides general educational information about fraud reporting, payment disputes and consumer response options. The information on this website is not a guarantee of recovery or a particular outcome. Government agencies, banks, card issuers and payment providers make their own decisions regarding investigations, disputes and recovery requests.
Nothing on this website creates an attorney-client relationship unless an engagement has been expressly agreed to in writing.