Easy Way to Dispute a Credit One Transaction

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Need a Chargeback from Credit One? Dispute a Transaction the Easy Way

Creditors appear to count on confusing steps for to make consumers "give up" when there's a problem with their bills, but DoNotPay turns a complicated, frustrating process into a successful refund or with just a few clicks!

What if you want to reverse a charge to your Credit One bank card? Can DoNotPay save you time and money? Absolutely!

DIY Chargeback: How to Deal with Credit One to Dispute a Transaction

What if you decide to dispute a transaction with Credit One on your own? You have plenty of options. (That is if you have lots of time.) First, go to Credit One Bank's Customer Service page. On the right sidebar, click "FAQs" and scroll down until you find the "Disputing Charges" option. We 've put together some tips for you on how to submit Credit One disputes via the following channels:

Phone CallCall their customer service line at 877-825-3242, and have the following ready:
  • Credit One card number
  • Social Security number
  • Transaction date
  • Merchant's name
  • Charge amount
  • Reason for disputing the charge
  • Any shipping confirmation information for returned items, as well as confirmation or cancellation numbers. If you were issued a credit slip (but didn't receive the entire credit), have that on hand.

Be prepared to be on hold for several minutes—longer during high call volume periods. Be advised that the customer support associate may require you to also submit further information via their file uploader or regular mail.

United States Postal ServiceSend copies of all the above information in a signed letter to:

Credit One Bank Attn: Dispute Department P.O. Box 98876, Las Vegas, NV 89193-8876.

You might want to spend the extra money to send your dispute with delivery confirmation to your own records, especially if you're requesting a chargeback before the next billing cycle.

Electronic UploadCredit One prefers that you upload your dispute information through their website. Here's how:
  • Sign in to your Credit One account.
  • Gather the information above, including your signature.
  • Go to the "Customer Service" page and select "Forms & File Uploads".
  • Follow the instructions and print out your case number and a confirmation message.
  • Wait 14-30 days to receive a response via postal mail.
DoNotPayAvoid cumbersome upload interfaces, long hold times, and a trip to the post office. DoNotPay can help you obtain your Credit One chargeback in less time, and often with better results!

Credit One 's Chargeback Policy

Through your own efforts or with the help of DoNotPay, you can obtain a chargeback from Credit One for the following reasons:

  • Unauthorized charges
  • Charges for unsolicited or unreceived goods or services
  • Incorrect amounts charged to your card
  • Charges with vague descriptions for which you need clarification
  • Goods or services that were paid for by other means (cash, check, or gift card)
  • Canceled recurring charges (e.g., magazine subscriptions, memberships)
  • Items or services are inconsistent with how they were advertised
  • Returned merchandise not clearing as refunded
  • Incomplete merchant transaction cancellation

Here's what you need to know about getting a chargeback on your Credit One account:

  1. You must notify Credit One of any disputed charges within 60 days after the potential error appeared on your statement.
  2. Credit One will respond within 30 days of receiving your chargeback request.
  3. Will the refund be credited back to the original form of payment, or can they choose?
  4. Add anything else you find in the company's refund policy that you think might be useful.

How Long Will It Take To Receive a Chargeback from Credit One?

While Credit One has up to 30 days to respond to your request, you'll usually hear from them within two weeks. You may receive what's called a "provisional credit," a temporary refund to your account, if it's likely your dispute, will be accepted.

How to Dispute a Transaction from Credit One With DoNotPay

What if, instead of explaining your problem over and over again with multiple customer service agents (after spending way too much time on hold, of course), you could answer a few simple questions on a website and have someone else secure your chargeback? That's exactly what DoNotPay will do for you. From groceries to plane tickets, you can easily dispute unwanted or erroneous Credit One charges with these five easy steps:

  1. Have on hand the merchant's name, charge date, and amount
  2. Confirm information related to your account and how you want DoNotPay to pursue your chargeback request
  3. Sign with DoNotPay's signature creator
  4. Click "submit," and you're done--usually within three minutes!

Once you've submitted information, here's what happens:

DoNotPay automatically faxes your dispute claim to Credit One and gathers evidence information from the merchant as well. DoNotPay will include all the necessary credit card customer service codes to .

What Else Can DoNotPay Do?

Your DoNotPay service isn't limited to chargebacks. Do you want to take advantage of free-trial promotions without sacrificing your privacy? Get protection from a DoNotPay virtual credit card, and let us help you cancel those you already have but no longer want. And that's just the beginning.

DoNotPay has resolved more than a million chargebacks, do-not-call-list violations, free trial cancellations, and even parking ticket issues and has received accolades from major tech review publications in the process. Learn more about what DoNotPay can do for you and how to get the world's first virtual lawyer on your side!

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