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I contact the company that made the error and have them reverse it. It was their mistake and they should know. I’ve only had to dispute a charge once but the company finally agreed to a refund so the CC company didn’t have to do anything.
I've had two frauds on my cards in 15 years. I let my mom use my card and she fell for a free trial pay shipping only cosmetics scam but I ended up threatening them with the authorities and they removed it instead of me disputing it with visa.
Fraud is a whole different situation- my CC companies have always taken good care of me when my card has been compromised. I thought the OP was referring to errant charges rather than fraudulent ones.
I thought the OP was referring to errant charges rather than fraudulent ones.
Yep. I've had a couple over the years where a charge reported as something I didn't recognize. I reported them as fraudulent and it turns out they were legitimate. I've never had a charge I had to dispute with the credit card company. I've had internet merchant issues I've had to sort out directly with the merchant but I never had to involve the credit card company. Try cancelling a free trial for Sirius XM, for example. It's like Hercules chopping the head off the Hydra.
Fraud? Way more than I'd like. I've had my primary credit card shut down and replaced easily 10 times over the year. It takes a couple hours to hit all the web sites that point to it for auto-pay when the FEDEX envelope shows up the next day.
I've only ever had to dispute one. I cancelled a hotel room under a 'free cancellation' policy and they charged a no-show fee..
I've never had to, outside of that, because my first step would be talking to the place in question. If there was a double charge at a restaurant or something like that.. My first step is to talk to them.. They'll normally take care of it. Dispute should be the last step, not the first.
Once. Bought some concert tickets out of state, the place refused to send them to me saying all out of state orders will be held at will call. That didn't work for me so I called my bank and they took my side.
Show ended up getting postponed 8 months then cancelled altogether so I could have eventually got a refund anyway.
Once, some idiot went to wal-mart in another state and it was flagged
For the most part, banks are very good about fraud.
Errant charges? I can't think of any.
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