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I am writing to dispute a charge of [$______] to my [credit or debit card] account on [date of the charge]. The charge is in error because [explain the problem briefly. For example, the items weren't delivered, I was overcharged, I returned the items, I did not buy the items, etc.].

Whether it's a simple misunderstanding or a human error, sometimes there's a problem with an order. It's just part of doing business. When this happens, buyers may open a dispute with us, or ask their credit card issuer to reverse the charge (a “chargeback”).

You can check the status of your case at any time in your Resolution Center. If your case is in the dispute phase, you can exchange messages with the other party to try to solve the problem. If your dispute has been escalated to a claim, click View to see the latest status. View your open cases.

The Resolution Center is a part of your PayPal account where you can: Report a problem if a product or service wasn't delivered, or wasn't as described. Report unauthorized transactions. Report a billing issue such as duplicate charges or a wrong amount charged.

Payment disputes are a type of consumer protection. Cardholders have the right to dispute a credit or debit card transaction if it was unauthorized or illegitimate. If a transaction is disputed, the cardholder is no longer required to make payment.

Generally, the bank must mail or deliver written acknowledgement to you within 30 days of receiving your written billing error notice. If the bank determines that a billing error has occurred, it shall resolve it within two complete billing cycles—but no later than 90 days after receiving a billing error notice.

If you purchased the item from one of our merchants, follow these simple steps: Log in to your PayPal account. Open a dispute in the Resolution Center within 180 calendar days of your purchase, by clicking on “Dispute a Transaction” under “Report a problem”. Select the transaction and click Continue.

Who pays when you dispute a charge? Your issuing bank will cover the cost initially by providing you with a provisional credit for the original transaction amount. After filing the dispute, though, they will immediately recover those funds (plus fees) from the merchant's account.

Definition. Payment Dispute. A payment dispute occurs when a cardholder contacts their bank to dispute a charge on their account. The cardholder may not recognize the charge and therefore beleive it to be fraudulent, or may have had an issue with their purchase that they were unable to resolve with the merchant.

The time it takes us to decide the outcome can vary. It depends on how quickly both parties respond to our enquiries and whether or not we need more information. We usually reach a decision within 14 days, but some cases can take 30 days or longer.

Once you've shown supporting evidence, the bank or card issuer reviews the evidence provided by you and the customer, and makes a decision on the dispute. If the dispute is found to be valid, the bank may reverse the transaction and credit the customer's account. If invalid, the transaction remains in place.