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What to Do if You’re Charged the Wrong Amount

Published Date
Author Ben Breitbart

If you were charged the wrong amount, first make sure to wait until the transaction has posted to your account, as transaction details can change while a transaction is pending. If you’re unsure about a transaction, you can double check your transaction details.

If the transaction has posted to your account and you’ve been charged the wrong amount, you must contact the merchant and try to resolve the issue directly with them before filing a transaction dispute with us.

Once you’ve filed a transaction dispute, you can expect the following:

  • A temporary credit will be applied to your account in 3-5 business days (if applicable) that will remain until the investigation is complete
  • If there wasn't enough evidence to support your dispute of the charge, the credit will be removed and the charge will be reapplied to your account. You’ll receive a letter with more information including the merchant’s supporting evidence

Keep any dispute evidence you may have for at least 90 days.