![]() ![]() These are most effective when they are written by an attorney on a law firm’s letterhead and contain some type of legal “substance.” Demand letterĪ demand letter is a letter that you send out to a party when you are informing them that you’re planning on seeking legal action if they do not properly act to resolve the dispute. Sending these letters also generally shows the merchant that you mean business when It comes to resolving your dispute and that you might resort to legal measures in the future. It does cost a little bit of money (it’s under five bucks) to send a certified letter but it gives you the necessary documentation that you might need later on. If you are dealing with a substantial amount of money related to your transaction, then you might also consider sending a certified letter.Ī certified letter gives you proof that the other side has received your correspondence. The trick is finding the correct email addresses to send your email to. The good thing about email is you will have everything documented and this can come in handy later on when and if you need to supply documentation. However, it can be difficult to track down the email addresses for the managers that you need to reach (though there are ways to do this). ![]() You could also try to resolve things via email. ![]() Finally, it is not always easy to show proof of the contents of a phone call and recording phone calls is not always permitted, so it is often difficult to prove an accurate record of the phone call. Resolving these issues over the phone can be difficult sometimes because it is not always easy to get access to upper level managers who can make decisions, especially when your situation calls for a decision that is not a typical or standard resolution.Īlso, some merchants will simply blow you off and make it virtually impossible to resolve anything. You can often find their number on your credit card statement or simply look them up online. The easiest way (in theory) would be to simply call up the merchant and try to work out a refund or a return or some other type of compensation that you would consider fair. You can attempt to resolve chargebacks in a variety of ways. So it can be a better use of your time to just try to resolve things directly with the merchant. It can also mean unwanted eyes on your accounts. It can mean rounding up supporting documentation and waiting several weeks to even months for resolution. Processing chargebacks can also be very time-consuming for the consumer. Thus, most merchants usually have a strong incentive to avoid chargebacks. Getting hit with chargebacks can also cause issues with the merchant’s relationship with the credit card issuers. Merchants get penalized when they are hit the chargebacks and have to pay fees and hassle with a lot of paperwork. One of the major reasons why you want to try to resolve the issue with the merchant directly is because it just makes things easier for everybody involved. It’s free and will help you optimize your rewards and savings!īefore you ever contact Chase to initiate the dispute process, you should try to contact the merchant directly and resolve the issue. Tip: Use WalletFlo for all your credit card needs. If you’re dealing with a small business credit card such as the Chase Ink Business Preferred, I suggest calling the number on the back of your credit card. Note that this article will focus on personal Chase cards, such as the Chase Sapphire Preferred, Chase Sapphire Reserve, and other Chase co-branded credit cards. To initiate a claim over the phone just call the phone number on the back of your card Monday through Friday from 7 AM to 10 PM Eastern time, and Saturday and Sunday from 9 AM to 8 PM Eastern time. You can send in your dispute to the following address:įax to: 1-88 Attn: Cardmember Services – Dispute Resolution Phone To file a dispute online, simply log-in to your account and follow the steps below. You can dispute a Chase charge in a few ways: online, by mail, fax, or even over the phone. How to dispute a Chase credit card charge How to dispute a Chase credit card charge. ![]()
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