Disputing a credit card charge by fax

Spotted a charge you don’t recognize? Banks usually require a signed dispute form, and faxing it straight to the dispute unit is the fastest route — chargeback deadlines run from the transaction date.

1. 1
   Download the dispute form

   Get the "transaction dispute form" from your bank’s website. No form? A letter works — include the transaction date, amount and merchant name.
2. 2
   Fill and sign the form

   Write only the last 4 digits of your card. Tick the dispute reason clearly: "I did not make this transaction", "Goods not delivered", etc.
3. 3
   Fax it to the card dispute unit

   The number is printed on the form; otherwise ask customer service. Put the last 4 digits + "Charge dispute" on the cover page.
4. 4
   Get a case number

   Banks must resolve disputes within a set period. Your fax receipt is proof of your filing date.