When to Use This Message
Report an Unauthorized Charge Dispute when:
- You see a transaction on your statement that you never made or authorized.
- Your card was lost, stolen, or compromised and charges followed.
- A merchant charged you more than once, or charged an amount you didn't agree to.
- You want a documented timeline in case the dispute needs to be escalated.
Message Writing Tips
- List Each Charge Precisely: Include the date, amount, and merchant name for every disputed transaction so none are missed in the review.
- State Clearly That It Wasn't You: Be direct that the charge is unauthorized — this distinguishes your case from a simple billing disagreement.
- Mention Card Status: Note if your card is lost, stolen, or still in your possession, since this affects how the bank investigates.
- Ask About Provisional Credit: Many banks can issue a temporary credit while investigating — ask if that applies to your situation.
Frequently Asked Questions
How quickly should I report an unauthorized charge?
As soon as you notice it — most banks limit your liability for fraud, but the protection window shrinks the longer you wait to report.
Will I get my money back?
In most cases, yes, once the bank confirms the charge was unauthorized, though investigations can take a few weeks.
Should I cancel my card too?
Generally yes, especially if you suspect your card number was compromised — ask the bank to issue a replacement while they investigate.