A few weeks ago I bought a “pumpkin” (it was a famous artists’ pumpkin replica) from an online retailer. But to this day it has never shipped, and they have my money. So I opened up a dispute after not hearing from them via customer support for 2 weeks, and I’m in the process of getting my money back via a chargeback from my credit card - but I think the frustrating thing for me is answer #1 - it takes way too long to resolve. I wish they could just give me back the funds immediately while on the backend they figure out the dispute with the vendor. Anyway, I rarely dispute, but since I still havent heard from that company - I dont think I will be. Lesson learned, dont buy from random ads you see online lol.
11 months ago | 138
The worst part of disputing a credit card transaction is knowing that Dave Ramsey will be disappointed in you for simply owning a credit card in the first place
11 months ago | 27
U need one more choice. It was easy. I have had a few disputes on different credit cards. As soon as I dispute it they give me a credit until it's solved. Never had a problem with disputes on any of my credit card 💳 👍
11 months ago | 36
All of my disputes have been a breeze. No issues at all. One required them to request supporting documents. That was it. All approved.
11 months ago | 0
I’ve never had a bad experience with this. It’s always been very easy for me personally
11 months ago | 2
American Express (all my credit cards are with them) is amazing in this regard. Have never had an issue and disputes take minutes.
11 months ago (edited) | 5
I’ve only ever had to dispute a charge with my Apple Card and the support is unbelievably helpful. The only thing I can complain about is that it takes about 1-3 months to get resolved, but they give you a credit in your account as soon as you report it, so it doesn’t require you to pay first to then eventually get a refund.
11 months ago | 2
A couple weeks ago my debit card made a shady $0.00 purchase to some Canadian insurance company, so I killed it. I wasn't really mad because the card was going to expire in a few months anyways and I was planning to move all my automatic payments to my credit card to get cash back.
11 months ago | 2
Credit Card disputes are immediate from my experience. Debit card disputes however are long and tedious
11 months ago (edited) | 5
Sounds like you had a bad experience. My bank did great, multiple times over the years. Sorry for your frustration.
11 months ago | 1
My bank was lovely and it wasn’t frustrating at all.
11 months ago | 1
This is insane, I just called my bank for an unrecognized charge and then I saw this poll.
11 months ago | 1
I’ve never had a problem, resolved within minutes to 24 hrs tops every time
11 months ago | 2
I have to say the one time I disputed a charge it was pretty smooth. The website was easy to use and although it took a few billing cycles to get my money back there were no issues other than the long time it took. It was sort of a cut and dry situation though. I'd ordered a several hundred dollar item from a company that later filed for bankruptcy and shut down without ever fulfilling my order.
11 months ago | 1
PSA always shop with a credit card. With a debit card you earn no rewards and you can’t easily dispute
11 months ago | 2
I had to do this a few months ago and thought it was straightforward. Well, it kind of was but it wasn't. The bank took the info and didn't provide any update for over a month. They didn't ask for supporting information about the dispute either, which was odd as I had everything ready. It took about 3 months and they finally closed the case in my favor, but I was biting my nails going into the last month because I wasn't sure if they'd reject it. They didn't ask for any supporting evidence. I had to directly deal with the vendor.
11 months ago | 1
I've only had to do it once. It took minutes and was hassle-free.
11 months ago | 1
I personally have never encountered any issues, I’ve had to do it a couple of times but they normally got resolved within a few days. On both the credit card side and the debit card side
11 months ago | 1
I never know I go throw my credit card and it's so much easier
11 months ago | 2
Humphrey Yang
Disputing a transaction with your credit card or debit card: what’s the most frustrating part? I recently had to do this - the story will be in pinned comment.
11 months ago | [YT] | 217