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If asking the merchant for a refund didn't work, request a chargeback with your credit card issuer. Many card issuers let you dispute transactions by phone, mail or online. You may also be able to submit a dispute directly through your card issuer's mobile app.
A disputed transaction is one where a customer questions the validity of a transaction initiated through his/her registered Debit/Credit Card account. Customers may report a disputed transaction for various reasons, as mentioned below: Unauthorized transactions. Excessive charges.
Contact the Bank If you suspect fraud in your account, contact your bank immediately. Acting quickly can prevent additional charges and protect your rights, so it's best to call your bank or chat with a customer service agent online to report the problem.
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.
Definition. Disputed Transaction. A disputed transaction is a debit or credit card transaction that the cardholder is claiming is illegitimate in some way. They may claim the purchase was fraudulent, they didn't receive what they paid for, or the amount was incorrect.
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A dispute occurs when a cardholder contacts their card issuing bank and demands to have their money returned. Disputes are a feature of the Visa, Mastercard and American Express card networks intended to protect cardholders from fraudulent activity.
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.
lodge formal complaints on behalf of the customer. Branch in turn will register complaint with respective department (Reconciliation & CRM Cell, BOB Jogeshwari), who will raise the Chargeback / claim with the Acquiring / concerned bank whose ATM is used by our customer.
Valid Reasons to Dispute a Credit Card Charge Legitimate reasons to dispute a credit card charge include being charged twice for the same transaction, being charged for something you returned or something that was never received. Sometimes the credit card issuer fails to credit a payment.
You can reach out to the BHIM toll-free number 18001201740 or can call on the helpline number 022- 45414740 for any queries or complaints on your UPI transaction.

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