How to Dispute a Charge You Didn't Agree To
To dispute a credit card charge, contact the seller first, then file a written dispute with your card issuer within 60 days of the statement. Your issuer must investigate and can reverse the charge while it does.
Short answer: Use the guides below to pick the right move and hit the deadline.
Last updated: June 2026.
Disputes guides
- Chargeback vs Refund: Which One to Use and When (2026)
A refund is the seller voluntarily giving your money back.
- How to Dispute a Credit Card Charge (2026 Step-by-Step)
To dispute a credit card charge, first ask the merchant for a refund, then send your card issuer a written billing-error notice within 60 days of the statement date.
- How to Dispute a Planet Fitness Charge After You Cancelled in 2026
If Planet Fitness charged you after you cancelled, gather your proof of cancellation, contact your home club in writing to demand the charge be reversed, and if they refuse, dispute the charge with your card issuer within 60 days of the statement date under the Fair Credit Billing Act.
- How to Dispute a Hotel Resort Fee in 2026
To dispute a hotel resort fee, ask the front desk to waive or remove it at check-in or checkout, and if they refuse, dispute the charge with your credit card issuer in writing within 60 days of the statement date.
Not sure whether to ask, chargeback, or escalate? Karen reads your situation and runs the right play.
Put Karen on the dispute.