How can I dispute a charge if I think I was scammed?

Updated October 2026 · How we answer

Steps to dispute a charge

Call the customer service number on the back of your card or your bank's fraud line as soon as you notice the charge. For credit cards, you can also send a written dispute to the address provided for billing inquiries; the issuer must acknowledge within 30 days and resolve within two billing cycles (up to 90 days).

For debit cards, report the unauthorized transaction within two business days to limit liability to $50. If you wait longer, you could be liable for up to $500 or more. Keep a record of all communications, including dates, names, and reference numbers.

What to say and what to expect

Explain that the charge was unauthorized or that you paid for goods or services you never received. Provide any evidence you have, such as emails, receipts, or screenshots. The bank may issue a provisional credit while it investigates.

If the bank denies your dispute, you can escalate to the Consumer Financial Protection Bureau (CFPB) or file a complaint with the FTC. For scams involving wire transfers or gift cards, recovery is much harder, but still report it.

• Act fast: report within 2 days for debit cards to limit liability.
• Use the card issuer's official dispute process, not just a phone call.
• Keep copies of all documents and correspondence.
• File a complaint with the FTC at ReportFraud.ftc.gov.
• For wire transfers, contact your bank immediately; recall is possible but not guaranteed.

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