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Under the law, you must dispute an error within sixty (60) days of the first bank statement with the error. You may raise the dispute either in writing or orally, but the bank can ask that you send a written confirmation of the dispute within 10 days of an oral dispute.
As per Master / visa guidelines, in case of a dispute, all card holders should provide a duly filled in Transaction Dispute Form (TDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank.
If you are entitled to a refund, we will make it within ten days of the date that we have all the information we need to make a decision.
Consumers have the right to dispute credit card charges under certain circumstances, even including items they willingly purchased. But abusing this privilege by disputing when it isn't warranted isn't fair to retailers who could be left on the hook for the merchandise cost, plus a chargeback fee.
If there's an error or your account is not removed when it should, you have to initiate a dispute with the credit bureaus to correct the mistake. It's important to remember that each credit bureau is a separate entity. So, there may be discrepancies in the information collected on each of your reports.

People also ask

There are several reasons you may want to dispute a credit card charge, including fraudulent purchases, billing errors or bad service/service not rendered. Fraudulent charges on your bill can be disputed by calling your credit card issuer or filing a dispute online.
Most refunds take 3-5 business days to appear in your account once the merchant has issued the refund. If you have questions about a refund you should have received, you should first check with the merchant. You should confirm when the refund was issued and how long the merchant typically expects their refunds to take.
Can I dispute a credit card charge I willingly paid for? You should never dispute a credit card charge you willingly paid for. Not only is doing so unethical, but you won't be able to keep the initial credit you receive if you don't deserve it.
Online Banking customers can submit most credit card disputes directly from the transaction detail found in the Activity tab on your credit card account page, or from the Dispute a transaction link on the Information & Services tab.
Five Common Dispute Reasons Fraud - Card not present. Merchandise or services not received. Cancelled Recurring. Credit Not Processed. Defective/Not as Described.

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