Best Way to Send a Dispute Letter for Unauthorized Transactions

Chargebacks and Refunds Best Way to Send a Dispute Letter for Unauthorized Transactions

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:

  1. Company website
  2. Company email
  3. Over the phone
  4. Deliver a dispute letter in person
  5. 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:

  1. You were charged for goods or services you did not receive
  2. A transaction was made in your name for more than $50 for goods or services which you did not receive
  3. You requested written proof of a purchase or service but did not receive it.
  4. 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
  1. The name of the bank
  2. The bank's mailing address
  3. Name of the merchant who issued the charge
  4. Choose the date the fraudulent payment was made
  5. Share how much you were charged
Confirm your personal informationDoNotPay will ask you to verify your personal information for the credit card. You will be asked to confirm:

  1. Your name
  2. Contact information
  3. Credit card number
Build evidenceDoNotPay 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:

  1. Do you know who may have made the charges?
  2. If so, do they have permission to use the credit card?
  3. Are you familiar with the place of purchase?
  4. Do you frequently, or have you ever, made a purchase through this outlet?
Write your letterDoNotPay 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:

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:

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!

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