Not reviewed by Capital One.) Consumer Rights for Disputed Charges On consumer cards such as the Capital One Venture X card or Capital One Savor Rewards Credit Card*, you’ll have not just Capital One’s dispute policies but also the benefit of federal consumer billing protections. It’s possible to dispute a transaction on any Capital One credit card, such as the Capital One Venture X Rewards Card or the Capital One Venture X Business Card*. You file a dispute for inaccurate charges, then if you’re successful, the issuer initiates a chargeback to reverse the charge. ![]() For example, if you canceled a recurring charge in time but were still charged anyway, you can file a dispute for it.ĭisputes and chargebacks are sometimes considered synonymous, but these terms are different even though they’re related. A dispute could be for a charge you recognize but have a problem with. What Is a Disputed Charge?ĭisputed charges are transactions on your credit card account that are inaccurate or illegitimate in some way. Let’s look into your consumer rights regarding disputed charges, how Capital One handles disputes, and what you need to do to win your credit card dispute on a Capital One credit card. But not all credit card disputes are deemed accurate, so you’ll need to be ready with evidence that the charge isn’t right. If Capital One believes the charge was inaccurate, you’ll get a refund. Once you get in contact with Capital One about a disputed charge, the issuer will contact the merchant to review the disputed charge. ![]() Capital One enables cardholders to file disputed credit card charges online, by mail, or by phone. You can dispute problematic charges on your Capital One credit card whether you were overcharged or charged by mistake.
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