Financial transactions seek utmost care while being performed. Credit cards have gained great prominence of late, thanks to them for being saviours in times of financial need. Before choosing a service provider, a consumer has to go through the guidelines and understand the terms and conditions of the card. This prevents you from facing possible risks that you might encounter with the card. As a security measure, most of the companies provide some measures to help consumers in case of any problems like improper billing, non-receipt of product or service that is being purchased or discontentment over the product purchased.
Whether it is Visa card or Master card, the consumer is entitled with some security measures. CHASE, one of the reputed credit card companies also issues credit cards with enough security on billing errors, products not delivered and consumers’ dissatisfaction about a particular product. But you need to know their guidelines as every card issuer have their own principles in dealing with issues related to frauds and disputes.
Before submitting a charge of dispute to Chase, be sure of producing legitimate proofs whatever may be the charge. Be it about bad quality of .product, bad service of the merchant, late delivery of the product or billing errors, a consumer should file a dispute on Charge to help them understand what exactly the problem is. A well- defined problem has greater chances of getting resolved faster.
You get very less time from Chase and so you need to be extra careful in finding out any problems arising out of your credit card statement and try to rectify it immediately. Their customer service is always available to extend maximum help to you. However, as precautionary steps you can take the below mentioned steps.
Get in touch with your Trader first:
But remember that all merchants are not really approachable. It is rare that they help you with your dispute charges. After all, any business runs for profits and doesn’t want to miss a single penny unless proved that they are really guilty. In such cases you will have to file a Chase credit card dispute to have a decent settlement of your money.
Hence it is advisable to keep all correspondences from your merchant and Chase company safe to claim dues.
Get in touch with Chase customer care:
If you have not got the necessary reimbursement or proper response from the Trader you can contact Chase customer care at 1800 432 3117. This is useful in case of frauds which mean some incidents where in the customer’s card or card number has been stolen by unknown person, then you can register a complaint.
A dispute can be charged when a merchant fails to deliver goods to a customer or when improper amount has been levied. For this you can write to Chase customer care with your online account. The moment you click on the main MENU you can find MORE OPTIONS .Click ACCOUNT SERVICES and then click DISPUTE TRANSACTION.
After this, the company will ask for documentation which you have to show as the reason for filing dispute charge. The Trader will also try to defend himself. Whose dispute will be reversed is something that will be decided by Chase.
Can I expect solution immediately?
After charging your Dispute with Chase you will have to wait for some weeks provided your merchant agrees to your dispute. If he/she wants to fight the dispute it may still take longer. If you are not found guilty, then your amount will be reversed.
Will the charge filed by you be successful?
The Dispute charge that you file should show on your billing statements and should be posted to your account. Also make sure you start filing charges within 60 days from the day you see error from your institution on your statements.
Follow up with your Chase card and find solution:
Don’t worry if you are not paid back or charged inaccurately as Chase has flexible online process which can be easily followed. Any claim on a product not received or not satisfactory can be filed here. Follow up with your Credit card statement every now and then and stay in touch with the company. This will help you and Chase to make related reports pertaining to your transaction. In addition, you can use this for quick settlement of your dispute.
Deil D Pecci is a writer and blogger based in Chicago who covers topics on personal finance and entrepreneurship. Deil D Pecci has made Chicago her home along with his wife and children.