How to Initiate a Chargeback With Fifth Third the Easy Way
If you're unhappy with a purchase you've made with a credit or debit card, and you haven't been able to resolve the dispute with the seller, you may be able to initiate a chargeback on your card. This is also useful for fraudulent or questionable charges on your card (such as subscriptions that you didn't realize would automatically renew). But the process of initiating a chargeback can be daunting, especially when you're on your own.
Disputing Transactions: Chargebacks vs Refunds
People are often confused about the difference between chargeback and refunds. Both are pathways for consumers to dispute unauthorized transactions. Here's a breakdown of the key differences:
|Refunds||Refunds are processed and funded directly by merchants. This may require consumers to provide documentation and/or contact difficult customer support teams. Seeking a refund can be a slow option and it can take several business days for monies to be deposited.|
|Chargebacks||Chargebacks are processed by the bank or card issuer directly and serve to protect consumers from fraudulent charges. Every financial institution has its own system and timeline for processing chargebacks, but all chargeback policies protect consumer cash.|
Fifth Third Chargeback Policy
In most cases, Fifth Third Bank allows you to initiate a chargeback within 120 days (or four months) of the disputed transaction. You can initiate a chargeback for disputed charges if:
- You never received the item you ordered
- A merchant made an error in your order and refused to correct it
- You are the victim of fraudulent charges
How To Get a Fifth Third Chargeback on Your Own
It's possible to get a chargeback from Fifth Third Bank on your own, but the process can be quite complicated and difficult to navigate.
Initiate a Fifth Third Chargeback Over the Phone
To contact Fifth Third Bank by phone, call 1-877-833-6197. Their phone lines are open from 7 AM to 8 PM EST on weekdays and 8:30 AM to 5 PM on Saturdays. Select the appropriate product (credit, debit, or checking) and then the Disputes option to be connected with Fifth Third's customer service team.
Initiate a Fifth Third Chargeback In Person
You can initiate any Fifth Third chargeback by going in-person to your nearest branch and talking with a banker. Note that you may need to schedule an appointment with a banker rather than simply speaking to a teller.
Initiate a Fifth Third Chargeback Online
To initiate a chargeback online with Fifth Third, you should log in to their website at https://53.com and reach out to their customer service team. You can also send them a message in the Fifth Third mobile app. Note that while you can send messages 24/7, you may not receive a response to late-night messages until the opening of business the next day.
Next Steps for Getting a Fifth Third Chargeback On Your Own
You'll need to have as much evidence as possible (including conversations with the merchants and any information you have about the transaction you're disputing) ready when you dispute the charge. You'll also need to look up the chargeback reason code for the specific transaction. There are thousands of these reason codes, and they can vary based on the card issuer and even your specific location.
How Long Will It Take To Receive a Fifth Third Chargeback?
The amount of time it takes to receive a chargeback from Fifth Third can vary based on the complexity of the request. For simple problems (such as a stolen card) you usually get your money back within days. For more complex issues (especially ones that require investigation by the bank) it may take several weeks to get your money back.
Issues You Might Encounter When Requesting a Chargeback
There are a lot of issues you may encounter when you request a chargeback from your bank:
- If you didn't provide enough evidence when you filed your chargeback, you may find your request denied.
- The merchant may provide evidence proving that the dispute wasn't their fault, leading to denial of your request.
- Depending on the terms of service of the merchant, you may end up in arbitration.
How Can You Check The Status of Your Fifth Third Chargeback Request?
Once you've initiated your chargeback request with Fifth Third, you can check on its status by calling the bank at 1-877-833-6197. Select the appropriate product (checking, savings, or credit) and then the Disputes option. Their customer service team is available from 7 AM to 8 PM EST on weekdays, and 8:30 AM to 5 PM EST on Saturdays.
How To Get a Fifth Third Chargeback With DoNotPay
DoNotPay is always the easiest way to file a chargeback. With DoNotPay on your side, you just follow these simple steps and we'll start the process of getting your chargeback or refund.
- Open DopNotPay on your web browser and search for "Chargebacks."
- Tell us what card (or checking account) the payment was on, and the name of the bank and the merchant.
- Select the reason for your chargeback. You should also tell us the charge date and amount, a description of what happened, and upload any useful evidence (such as screenshots of your conversations with the retailer).
And that's it! DoNotPay will generate a chargeback letter for you, with all the appropriate reason codes, and increase your chances of winning your case.
What Else Can DoNotPay Do?
There's no reason to be intimidated by big business! With DoNotPay's 'Chargeback Instantly' product, you can also dispute a transaction from any of these companies:
With options like virtual credit cards that help you avoid fees after free trials, along with a wide variety of simplified refund and dispute services, DoNotPay is the proven way to level the playing field for the consumer.