Ing dispute transaction 2025

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1. Log in to Online Banking and select the account with the transaction youd like to dispute. 2. Select the transaction, then select the Dispute this transaction link and follow the instructions.
Refunds usually go back to the original payment method used for the transaction. If you cancel a debit card, the refund will still be processed and credited to your bank account associated with that card.
Refunds to debit cards tend to take between two and five business days, but it can take up to 30 days depending on the company issuing the refund.
The chargeback process lets you ask your bank to refund a payment on your debit card when a purchase has gone wrong. You should contact the seller first, as you cannot start a chargeback claim unless you have done this. Then, if you cant resolve the issue, get in touch with your bank.
You can only request a refund for actual charges made to your credit card not for pre-authorisations. Make sure that you request your refund within 120 days after your credit card was charged. Well need proof youve contacted the seller and what their response was.
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However, theres a catch: you need to dispute charges within 60 days from when the purchase appeared on your statement. Since thats a relatively small timeline, make sure you regularly review your credit card account for signs of billing errors.
Depending on the payment software, there will usually be a mechanism to stop the transaction, such as a cancel button. In technical terms, an electronic communication is sent to the issuing bank through the merchants payment processing system, instructing them to reverse a transaction that was just authorized.
Generally, youll have two options when disputing a transaction: refund or chargeback. A refund comes directly from a merchant, while a chargeback comes from your card issuer. The first step in the dispute process should be to go directly to the merchant and request a refund.
When requesting money back, the merchant will generally credit the refund to your original form of payment, so if you paid by card, you wont receive physical cash back. Your credit card issuer will then post a statement credit to your account, effectively reducing your statement balance by the refunded amount.

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