Finding out how to dispute a charge
Card disputes have deadlines, and the deadline is the thing that quietly decides the outcome. Miss it and a legitimate dispute becomes nothing at all.
The rules differ per issuer, and they are not on the website in a form you can trust.
One call establishes the process and the clock. You file it yourself, on time, knowing what to send.
The fee appeared in March and again in April, May and June. Each month he meant to call. Each month the hold time was longer than the lunch break he had to make the call in.
You write this, in any language
Please call my credit card company and ask how I dispute a charge I didn't make, what the deadline is, and what documents I need.
What comes back
The process, the deadline, the department, and what to prepare.
Have this call madeNothing is dialled until you confirm. US numbers, called in English.
How it works
- Say what you needType it or speak it, in your own language. No forms to translate.
- Check the call before it happensYou see who is being called and what will be said. Nothing is dialled until you confirm.
- We make the call in EnglishIncluding the hold music, the phone tree, and calling back when nobody picks up.
- Read what happenedThe result and the full transcript, line by line, in your language.
Questions people ask
Should I also freeze my card?
If you believe a charge is fraudulent, freeze the card yourself in the app first — that is instant and it is the one action worth doing before anything else. Then use the call to establish the dispute process.
What if my English isn't good?
That is who this is built for. You write or speak your request in your own language — English, Chinese, Spanish, Vietnamese, Korean or Russian. The call itself is placed in English, and the transcript and result come back to you in your language.
Does the person on the other end know it's an AI?
Yes. Every call opens by saying it is an AI assistant calling on your behalf. That sentence is written into the code, not left to the model to decide, so it cannot be skipped.
How do I know what was actually said?
Every call comes back with a full transcript, line by line with timings, plus a short summary of the outcome. Calls are not recorded — you get the text, not the audio.
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