![]() ![]() Check with other people authorized to use the credit card account to make sure they didn't make the charge.If you don't have online access, you can easily enroll on our Online Banking page. The easiest way to check this is on our website or mobile app. Capital One usually can't help you dispute a charge until it has posted. Make sure the charge has posted to your credit card account.Before you dispute a charge, do a quick double-check: How to File a Disputeįiling a dispute may not always be the best option. While you wait for the letter, we encourage you to gather documentation that might be helpful, such as receipts, evidence of making a return or any communication from the merchant promising a refund.Īnd remember: you can always try to resolve your dispute and get your money back by working with the merchant directly. If so, the letter will list 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. ![]() If, after reviewing our letter, you’re still dissatisfied, look to the letter for information on whether steps to continue your dispute with us are available to you. The charge will appear on your account and statement as a “purchase adjustment.” You’ll receive a follow-up letter, either online or in the mail, that provides more details. If the merchant provides information demonstrating that the original charge is valid-or that they gave you a credit for it-we add the charge back to your account (by reversing the temporary credit) and end our investigation. Capital One provides you a temporary credit for the original charge while we investigate your dispute. We understand that having a disputed charge reapplied to your account might not be the outcome you were hoping for. What to do if the dispute charge is reapplied to your account If the merchant is found responsible, we will make the temporary credit permanent.
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