Cut to the Chase—How To Get a Chase Refund
Chase is an American investment bank based in New York. It’s ranked as the seventh-largest bank in the world and holds assets of over $2.5 trillion.
Getting refunds can be a challenge when using Chase. There’s no guarantee that you’ll get your money back, even when you’re in the right. DoNotPay can streamline the process and make your chargeback request successful.
What Is the Chase Refund Policy?
Chase customers can dispute charges and request refunds in various situations. The most common reasons for disputes include Charge errors and Fraudulent charges.
What Constitutes a Charge Error?
Charge errors are transactions that you recognize, but their terms were not fulfilled. You can dispute a charge error if:
- You canceled a recurring subscription
- A product was delivered late or didn’t arrive at all
- The charge is higher than the amount on your receipt
- You are dissatisfied with the product
- It was a double charge
What Constitutes a Fraudulent Charge?
Fraudulent charges weren’t made by the cardholder or a person authorized to use the card. Before you start a dispute over a fraudulent charge, you should:
- Confirm that the charge wasn’t made by someone with authorization to use your card
- Check if a familiar merchant used the card under a different name for billing purposes
Lost or stolen cards should be reported to Chase immediately. The bank can freeze your account and prevent further fraudulent charges from going through.
Disputing Charges With Chase
If you are trying to get your money back for an unsatisfactory purchase, you can request a refund from the merchant, or you can choose to file for a chargeback. The former implies that you will negotiate with the seller and come to an agreement regarding the refund. The latter is between you and your bank. You can argue that you weren’t given proper service and that the charge should be nullified.
Chase strongly encourages customers to communicate with merchants before they decide to dispute charges. If the merchant doesn’t correctly apply their cancel and refund policy, the bank will most likely take your side and grant you a chargeback.
When using a Chase credit card, you can request returns on retail purchases and get a full chargeback, with a few exceptions. Some retailers will only offer store credit as compensation for a product return.
Returns on purchases made internationally will incur a small fee. For most credit cards, including the ones issued by Chase, it’s around three percent of the total value of the purchase.
How Long Does Chase Take To Process a Refund?
For credit card disputes, it can take up to 60 days for the funds to be returned to your account. Debit card disputes take around 90 days to resolve. Chase may ask for additional information and evidence to support your dispute during this time.
When returning products to retailers, Chase will reimburse the cost on your credit card. It can take some time to process the refund, depending on the merchant and their return policy.
How To Get a Chase Bank Refund by Yourself
If you haven’t received the product or service that you paid for, you should dispute the charge on your credit card. These are the methods you can use to get your money back:
Can You Request a Refund Via
Yes / No
|In Person|| |
Call Chase To Dispute a Charge on Your Credit Card
If you want to file a request via phone, you should:
- Dial 1-800-432-3117, or call the number on the back of your credit card
- Ask to speak to a Chase representative
- Explain the situation and why you wish to dispute the charge on your card
When using a debit card, call 1-866-564-2262 instead.
Use the Chase Website To Dispute a Charge
You can file a request via the Chase website as well. Here’s how to do it:
- Go to the Chase website and sign in to your account
- Navigate to Transactions and choose the one you wish to dispute
- Review the details and press Dispute Transaction
- Answer a few questions about the transaction
- Submit the request
Getting a Chase Chargeback With DoNotPay’s Help
One of the simplest ways to get a refund is to use DoNotPay’s Chargeback Instantly option. It takes only a few minutes to create an account and our app takes over the process.
To start using this feature, open DoNotPay in your web browser. Once you do that:
- Go to the Chargeback Instantly feature and click on Get Protected
- Answer a few questions about the transaction that you want to dispute
- Choose whether or not you want DoNotPay to send the chargeback request for you
- Add your digital signature and submit
Our app will automatically fax a chargeback request to the bank. DoNotPay will include all applicable Visa and Mastercard codes in the letter, to further bolster your case. We can also contact the merchant on your behalf.
Issues You Might Run Into When Requesting a Chase Bank Refund
Disputing a Chase credit card charge can get complicated. Customers find it difficult to start the dispute process, as the website isn’t always responsive.
Merchants might be unwilling to grant a refund due to their company policy. In these situations, it would be best to call Chase representatives via phone and explain the situation.
During every dispute, Chase will investigate and determine whether or not they should allow the chargeback. If Chase proves to be unhelpful, you should use DoNotPay to resolve the issue. We can help you build a better case for your chargeback request.
Can You Track the Status of the Chase Chargeback Process?
Yes, it’s possible to track the status of your refund from your Chase account settings. Navigate to the Account Menu and use the Dispute Tracker to closely monitor your refund requests. Disputes will be marked as Open as the bank investigates the issue. Once the investigation concludes, it will be marked as Closed.
DoNotPay Protects Your Privacy and Finances
Sharing your credit card details online comes with certain risks, and it’s getting more difficult to tell good and bad websites apart. With DoNotPay’s virtual credit card generator, you will be able to protect your identity and bank account from cyber scammers.
Whenever you run into a suspicious email or website, generate a virtual credit card and proceed without worries. Our virtual cards also work like a charm if you want to avoid automatic payments after free trials.
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