After conducting an investigation, your card issuer may deny your dispute. For example, if the issuer may not find evidence that the transaction you disputed was unauthorized.
A bank might deny a dispute if their investigation finds the transaction was authorized, correctly processed, or falls within the agreed terms of service, indicating no error or fraud occurred. Additionally, insufficient evidence provided by the disputing party to support their claim can also lead to denial.
The dispute process is governed by card network regulations. Depending on the complexity of each case, it can take up to 90 days to resolve a dispute. Timeframes for dispute resolution are established by the payment brands.
If the credit card issuer denies the dispute, the customer can request supporting documents and can also appeal the decision or file a complaint with consumer protection agencies. If the dispute is still not resolved, customers can seek legal advice and file a case.
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Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.