Do I need to contact the merchant before filing a credit or debit card dispute?

No, we’re committed to supporting you when a transaction is in dispute.

There’re a couple reasons why we encourage you to reach out to the merchant in addition to filing a claim:

  • Discussing the transaction with them often remedies the situation quicker, avoids delays, and can save you valuable time.
  • When we research a dispute, a key factor to the outcome includes the merchant’s response. By providing us this information, it enables us to further support your claim.

If a dispute is started, and later it’s resolved directly with the merchant, contact us at the number on the back of your card to cancel it. We accept relay calls.