How to Get a Chargeback Through a Dispute Letter for an Unauthorized Transaction
If you have suffered from an unauthorized transaction on a credit card, you can get it charged back. It could take some time, but DoNotPay can help. The best solution is to write a dispute letter about the unauthorized transaction. DoNotPay can help you write a clear and credible letter.
How to Write Your Chargeback Dispute Letter for an Unauthorized Transaction on Your Own
DoNotPay saves you the hassle of writing the debit card transaction dispute correspondence letter on your own. Each company handles a chargeback differently, so you will need to look up the company and its policies. They may ask you to file your chargeback through various means, such as:
- Company website
- Company email
- Over the phone
- Deliver a dispute letter in person
- Through a phone app
Each of these takes a lot more of your precious time for a problem that wasn't your fault. Let DoNotPay take care of the problem for you.
Dealing with an Unauthorized Transaction Refund Policy
Because you are having DoNotPay write and send your dispute letter for you, you do not have to worry about the credit card 's refund policy. DoNotPay already knows it. As long as you have provided DoNotPay with all the information in time to meet the company's refund deadline, usually within 60 days or two billing cycles, you are good to go.
How Long Will It Take to Receive a Chargeback Refund?
Each credit card company is different, and their chargeback refund policies are too. Not all Visa or MasterCard credit cards are the same. How long it will take depends upon the bank that issued the card. Some companies may take up to 120 days.
One thing is for sure. The quicker you ask DoNotPay to write your dispute letter for unauthorized payment, the faster the road is to recover your funds.
Most credit card companies offer protection when your card was lost or stolen. You will usually receive a 100% chargeback reimbursement in either event. If you still have your card, you still should receive protection especially if the charge was made over the internet.
Filing a police report can help prove your innocence of the charges while aiding law enforcement in tracking the individual responsible who may have made fraudulent charges against the credit cards of others.
You have the right to file a credit card dispute if:
- You were charged for goods or services you did not receive
- A transaction was made in your name for more than $50 for goods or services which you did not receive
- You requested written proof of a purchase or service but did not receive it.
- The charge has inaccurate information
Issues You Might Encounter When Requesting a Refund
If you write a chargeback dispute letter and mail it on your own, that in and of itself is going to take longer. If your letter is unclear, the company will notify you and ask questions. Those questions and your replies can take precious time, especially when you are disputing a large fraudulent amount.
DoNotPay makes it simple. We help you avoid errors when writing your transaction dispute letter.
How Can You Check the Status of Your Refund Request?
You won't need to check with the credit card company on your chargeback status. DoNotPay will track that for you, anytime!
How to Write a Dispute Letter for Unauthorized Transactions on a Credit Card with DoNotPay
You can find sample transaction dispute letters on the internet, but keep in mind every situation is different. A form letter may not be effective. DoNotPay makes it simple.
Go to the DoNotPay chargeback product and here's what you need to do.
|Fill out the credit card information||
|Confirm your personal information||DoNotPay will ask you to verify your personal information for the credit card. You will be asked to confirm:
|Build evidence||DoNotPay will help you build your evidence. You will need to share anything you know about the charge and/or the purchase place. Such questions may include:
|Write your letter||DoNotPay will ask if you want it to write your chargeback dispute letter. Choose yes! You will be asked to provide your signature, and DoNotPay will prepare your dispute letter for unauthorized charges.|
DoNotPay will automatically fax your letter to the bank for you. Otherwise, you would have to write your own and head down to the post office.
What Else Can DoNotPay Do for You?
If a company declines to issue a refund, use DoNotPay to get a chargeback on the transaction. We can help with chargebacks such as:
- Zelle chargeback
- Cash app refund
- Vanilla gift card refund
- Amazon refund without return
- Doordash refund
- Lyft refund
- PayPal friends and family refund
DoNotPay can do so much for you beyond helping you with chargebacks and writing a dispute letter for unauthorized transactions. Some of what we offer includes:
- Assisting with airline ticket refunds
- Providing virtual credit cards
- Fake phone numbers
- Scheduling DMV appointments
- Many more issues within the legal realm
According to the Federal Trade Commission, Americans experience $3.3 billion in total fraud losses a year. The average median loss is $311. Identity theft makes up most of those fraudulent losses. And unauthorized credit card use is a sizable portion of identity theft.
Avoid being a part of that billion-dollar loss figure. Assure your chargeback with DoNotPay today!