If, subsequently reviewing the testify from the merchant, you're still unsatisfied, look to the letter for information on whether steps to continue your dispute with us are available to yous. If then, the letter volition listing the additional documentation you'll need to provide to continue your dispute and how to submit that documentation to us via fax, mail, or a secure link. While yous wait for the letter, nosotros encourage you to gather documentation that will be helpful, such equally receipts, render show or any communication from the merchant promising a refund.

And call back: y'all can always try to resolve your dispute and go your money back by working with the merchant directly.

How to File a Dispute

Double-Bank check Charges

Filing a dispute may not always be the best selection. Before you dispute a accuse, do a quick double-check:

  • Make sure the charge has posted to your credit card account. Majuscule One can't help y'all dispute a charge until it has posted. The easiest fashion to check this is on our website or mobile app. If you don't take online access, y'all tin easily enroll on our Online Cyberbanking page.
  • Cheque with other people authorized to use the credit card account to make sure they didn't make the charge. For case, an authorized user or someone else y'all have given access might take made the charge.
  • Check your newspaper and digital receipts—it's easy to confuse similar charges or forget well-nigh tips.

Start With the Merchant Starting time

Working directly with the merchant is often the fastest style to resolve your dispute. We will commonly ask you if you have already done this when you contact Majuscule One to file a dispute.

If you're contacting the merchant, yous could use a message like this:

Hi [name of visitor],

I purchased [item or service] for [cost] on [date].

I would like a refund of [total $ amount or partial $ amount] because [description of problem]. [Optional: I would likewise like to cancel whatever future services related to this purchase].

Attached are copies of [description of information you are including] that document this trouble.

Please investigate this and let me know if you need whatsoever boosted information to process this asking.

Give thanks you,

[Your name]

 

Filing a Dispute Through Uppercase I

You can file a dispute past phone by contacting us at the number on the back of your card or by calling:

  • From the U.Due south. or Canada: one-800-227-4825
  • Internationally: 1-804-934-2001

You can also file a dispute by mail. You can mail u.s. this form, or follow the instructions here.

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For Customers Impacted by the Coronavirus (COVID‑19) Situation

We recognize how difficult and frustrating it is to have your plans impacted by the coronavirus (COVID-19) situation. We hope you're staying safe and are hither to assistance if you lot're facing challenges.

Start With the Merchant Get-go

Working direct with the merchant is oftentimes the fastest way to get your money dorsum. It tin take Capital One more fifty days to resolve a dispute with the merchant.

Many companies are changing their policies to be more flexible due to recent restrictions, with some allowing you to modify or cancel plans at no fee and/or to receive credits for futurity services. We recommend you visit their websites to see what's bachelor for your situation.

Airlines:
American Airlines, Delta Air Lines, Borderland Airlines, Spirit Airlines, United Airlines, Southwest Airlines. For more than airlines, visit this COVID-xix Travel Advisory

Other Travel and Lodging Providers:
Airbnb, Booking.com and partners, Expedia and partners, Hotels.com, VRBO.

Ticket and Effect Providers:
Eventbrite, Stubhub, Ticketmaster.

Instructions for Trips Booked through Capital I Travel

Contacting Capital letter One

We understand the urgency of changing your plans and the frustration of paying for a trip or consequence that has been rescheduled or canceled.

If you want to speak to Capital One about a purchase you made, please know that we're experiencing longer than normal call expect times. If you don't want to wait on the phone:

  • You can attain out to the merchant - working straight with them is often the fastest style to resolve your dispute.
  • You lot tin can phone call Capital I after - y'all can dispute a accuse even after the planned service date.

Helpful Resources

  • Travel & disputes FAQs for the coronavirus (COVID-19) situation
  • Aid for customers impacted past the coronavirus (COVID-19) situation

What Is a Dispute?

If you believe there is an error with a accuse on your credit menu account, the information on this page will give you some options to investigate and try to resolve it.

A credit card dispute is a process in which you competition that at that place is a billing error on your business relationship or that a merchant did not honor their terms and conditions.

  • A dispute is not the same as requesting a refund from the merchant, which you should do in many situations where you want your money back. For case, when yous're dissatisfied with the merchant's policies or service, or when you lot demand to abolish plans. Capital One can't issue a refund on behalf of a merchant.

If you file a dispute, Majuscule One asks the merchant to review the disputed charge and its associated terms and conditions. These are usually the same terms and weather you agreed to when you made the buy.

What Happens When You File a Dispute Through Capital I

It can take more than than l days for Capital One to resolve a dispute with the merchant.

When you file a dispute, we place a temporary credit to your credit card business relationship for the disputed amount, as well as a credit line concord of the aforementioned corporeality. We might remove the concord before review of the dispute is finished, merely you may still exist responsible for the disputed amount and have the credit removed in the future.

Here's an overview of what happens after you file a dispute:

  • Nosotros may request additional documentation from y'all related to the dispute.
  • We send information about the purchase and why you lot're disputing it to the merchant via Visa or Mastercard and the merchant'south depository financial institution.
  • The merchant accepts or rejects the dispute.
  • If the merchant rejects the dispute, responsibility for the disputed amount is based primarily on the merchant'southward policies and terms concerning refunds or cancellations.
  • If you are responsible, we will remove the temporary credit, and the original charge will exist re-applied to your account. If the merchant is plant responsible, we volition non remove the temporary credit.

At any point in this procedure, you tin can reach out to the merchant directly to try to resolve your dispute.

What to Do if the Disputed Accuse is Reapplied to Your Business relationship

We understand that having a disputed charge reapplied to your account isn't the effect yous were hoping for. Capital 1 provides yous a temporary credit for the original charge while we investigate your dispute. If the merchant provides information demonstrating that the original charge is valid—or that they gave you a credit for it—we add together it back to your account and end our investigation. The charge will appear on your account and argument as a "transaction rebill." You'll receive a alphabetic character, either online or in the post, that provides more than details, including the bear witness that the merchant provided.

If, after reviewing the testify from the merchant, you lot're still unsatisfied, wait to the alphabetic character for data on whether steps to go on your dispute with the states are available to y'all. If so, the letter will listing the additional documentation you'll need to provide to continue your dispute and how to submit that documentation to us via fax, mail, or a secure link. While yous look for the letter, we encourage yous to gather documentation that will exist helpful, such as receipts, return evidence or any communication from the merchant promising a refund.

And remember: you tin always attempt to resolve your dispute and get your coin back by working with the merchant direct.

How to File a Dispute

Double-Check Charges

Filing a dispute may non always exist the all-time option. Before you lot dispute a charge, exercise a quick double-check:

  • Brand sure the accuse has posted to your credit card account. Capital letter One can't aid you dispute a charge until it has posted. The easiest way to cheque this is on our website or mobile app. If you don't have online access, you can easily enroll on our Online Cyberbanking page.
  • Check with other people authorized to apply the credit carte business relationship to make certain they didn't make the accuse. For example, an authorized user or someone else y'all have given admission might take made the charge.
  • Check your newspaper and digital receipts—it's easy to misfile similar charges or forget about tips.

Showtime With the Merchant First

Working directly with the merchant is oftentimes the fastest way to resolve your dispute. We will usually ask you if you take already washed this when you contact Capital Ane to file a dispute.

If y'all're contacting the merchant, you could employ a message like this:

Hi [name of company],

I purchased [item or service] for [price] on [engagement].

I would like a refund of [total $ corporeality or fractional $ amount] because [description of problem]. [Optional: I would as well like to abolish any future services related to this buy].

Attached are copies of [description of information you are including] that document this trouble.

Please investigate this and permit me know if you demand any additional information to process this asking.

Thanks,

[Your name]

Filing a Dispute Through Capital letter I

Y'all can file a dispute by phone by contacting us at the number on the dorsum of your card or by calling:

  • From the U.S. or Canada: i-800-227-4825
  • Internationally: 1-804-934-2001

You can also file a dispute by mail. Yous tin mail us this form, or follow the instructions here.