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What to do if the dispute charge is reapplied to your account If the merchant is found responsible, we will make the temporary credit permanent.

If we conclude that you are responsible, we will remove the temporary credit, and the original charge will be re-applied to your account.

You’ll also have the opportunity to submit additional documents and refute their response. Responsibility for the disputed amount is based primarily on the merchant’s policies and terms concerning the sale.

If the merchant rejects the dispute, we will review their response.

In those cases, the merchant accepts the dispute or rejects the dispute and tells us why.

In most cases, we send information about the purchase and why you’re disputing it to the merchant and the merchant’s bank via Visa or Mastercard.

We may request additional documentation from you related to the dispute.Here’s an overview of what happens after you file a dispute: We might remove the hold before review of the dispute is finished, but you may ultimately be responsible for the disputed amount and have the temporary credit removed. We might also place a hold on your available credit for the same amount. When you file a dispute, we may provide a temporary credit on your credit card account for the disputed amount. It can take up to 90 days for Capital One to resolve a dispute with the merchant. What happens when you file a dispute through Capital One These are usually the same terms and conditions you agreed to when you made the purchase, even if you might not have read or been thinking about them when you made the charge. If you file a dispute about a transaction with a merchant, Capital One asks the merchant to review the disputed charge and its associated terms and conditions. Capital One can’t issue a refund on behalf of a merchant.

A dispute is not the same as requesting a refund from the merchant, which you should do in many situations where you want your money back, for example, when you’re dissatisfied with the merchant’s policies or service, or when you need to cancel plans.If you believe there is an error with a charge on your credit card account or an aspect of your periodic statement, the information on this page will give you some options to investigate and try to resolve it.Ī credit card dispute is a process in which you assert that there is a billing error on your account or that a merchant did not honor their terms and conditions.

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