You normally have 60 days from the date a charge appears on your credit card statement to dispute it. Assuming your debit card has a Visa or Mastercard symbol, most banks will allow you to dispute a transaction. So, the short answer to your question is, yes, the merchant can threaten to sue. The easiest way to do this, in most cases, is to sign into your online account and provide your account number. Usually, you can call your credit card issuer and ask to dispute a charge.
The fact that you won your dispute with Discover does not mean that the $3,000 charge for the countertops just magically disappeared. So, you've found a charge you're sure you didn't make on your Chase credit card statement. If the dispute is resolved in your favor, you should see a credit on your account. This is assuming it came through via a credit card style. The merchant did incur labor and material costs. If you can’t resolve the unauthorized charge directly with the merchant, you might have to level up and dispute the charge through your credit card issuer. Winning a dispute with a credit card company didn’t make those costs go away. A: If all the requirements are met, your credit card company will investigate. You can dispute credit card charges with your issuer for three reasons under the Fair Credit Billing Act: Someone else used your card without permission.
You’ll need to contact your credit card company directly within 60 days of the transaction posting on your credit card bill in order to dispute a charge for service you’re dissatisfied with. Or maybe it's a charge you've made, but the merchant didn't fulfill their end of the bargain. If it was a debit transaction, which requires a PIN, it may be harder for you to dispute but you might have coverage. If you have ever disputed a charge with your debit or credit card company, you know what a potent weapon this type of complaint can be. If it turns out the disputed charge was valid, your bank will let you know that too. While the investigation is happening, you may still see the charge on your …
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