There are various ways that a merchant can charge a credit card in error, from charging the wrong amount, putting a charge through twice, or billing you for a previously canceled service subscription. Whatever the reason for the problem with a certain merchant, here is how to block a merchant on your Chase credit card.
Chase credit card holders who want to block a merchant from charging their credit cards must follow a process. Log into your Chase account, retrieve the merchant’s details, and contact them to resolve. If there’s no resolution, a formal dispute needs to be logged with Chase so they can investigate.
Under the Fair Credit Billing Act, credit card consumers are legally protected when product or service quality issues arise. Under the law, you may hold back payment for inadequate products or services when instructing your credit card company to investigate.
How To Block A Merchant On A Chase Credit Card
Blocking a merchant on a Chase credit card involves investigating who the merchant is, contacting the merchant to rectify the disputed transaction, and lodging an official dispute (“Report a problem”) with Chase if necessary. The following number, 1-800-955-9060, must be called in the case of suspected credit card fraud.
Life is expensive, and nobody likes to see a merchant transaction on their credit card that wasn’t authorized, posted twice, or even worse, non-receipt of a product or advertised service. Signing up for a service with monthly charges without realizing it is also a scenario on the rise. Always read the fine print!
Luckily, as a credit card consumer protected under the Fair Credit Billing Act, there are ways to block a merchant from getting away with your money. You will need to follow a certain process, as it’s not as simple as implementing an AHC-Debit block on a checking account.
Get The Details Of The Merchant On The Chase App
Chase implores credit card clients to follow certain steps when concerns arise regarding merchant transactions. The first step is to log onto your Chase banking app and access your transaction history list.
Click on the arrow next to the disputed merchant transaction, and it will transport you to a screenshot that displays helpful details of the merchant, such as the following:
- The amount the merchant charged against your credit card
- The date of the transaction
- The posted date of the transaction (the date that the merchant banked the transaction)
- Merchant name and description
- Address of the merchant
- Contact details of the merchant
- Method of payment (online or in person)
- Category of the merchant (Restaurant, pharmacy, retail store, etc.)
- Merchant history of deductions from your Chase credit card
- A tab to dispute the transaction
Contact Merchant And Request Resolution
The fastest way to resolve a merchant dispute is by contacting them and requesting that they resolve the charge error from their side. Suppose it’s a mistake by the merchant. It can be rectified from their side within a couple of days, whereas it can take weeks via a bank dispute.
Ensure that you note the time of the call to the merchant, who you spoke to, and get a reference number if possible. Placing a request to block, reverse, or refund payment is best done in writing to the merchant; these details will come in handy should you open a dispute with your credit card provider later.
File A Dispute Against The Merchant With Chase Credit Card
Say you have done the right thing by contacting the merchant regarding any of the following charge error scenarios:
- Higher charge than the receipt amount
- A recurring transaction you canceled
- A canceled trial subscription
- You received no credit for a one-time purchase you canceled or returned
- Dissatisfied with a product
- Dissatisfied with a service
- Never received a product
- Never received a service
- Received the product late
- Received the service late
- Chase credit card charged when using a different card
- Chase credit card charged, but you paid in cash
- Chase credit card charged multiple times for the same transaction
Suppose you have received no joy or refund promise when contacting the merchant to rectify a mistake. In that case, it’s time to sign into your Chase credit card account and lodge an official dispute for Chase to investigate.
After signing into your Chase account, click on the disputed transaction. Click on the “Report a Problem” tab on the following screen. Choose an answer that best describes the issue you are experiencing with the merchant.
Chase will show you recent credits to make sure that the merchant hasn’t credited you in the meantime. Click no, and next, if you don’t see a correction credit. View your dispute and verify that all details are correct. Click on “Submit Dispute” if you’re satisfied.
You can track the status and progress of the dispute in the following way:
- Log into Chase
- Access the “Account Menu.”
- Under “Account Services,” select “Track Services” from the dropdown menu.
- A “Dispute Tracker” screen will indicate all open and closed disputes
- Click on the current dispute’s “View Details.”
- A progress report will appear.
Please note that if the disputed transaction shows pending on your Chase credit card app, you will need to wait 1-3 business days for the transaction to post before you can lodge a dispute.
A Chase credit card holder has 60 days from the date the disputed transaction first appeared on their statement to instigate an investigation. An official investigation by Chase can take up to 60 days to conclude.
When a credit card dispute is lodged against a merchant to block payment, you must make the minimum payment on your Chase credit card balance. Chase will remove the amount in dispute from the required payment, and you won’t be charged other fees or interest until the dispute is resolved.
In the case of not having any knowledge of a specific transaction, you don’t recognize the merchant, and all efforts to contact the merchant in question for feedback on a transaction have come to nothing, you will need to phone the following number for Chase fraud department:
Should your credit card be lost or stolen, or you have confirmed with an authorized user that they didn’t make the disputed transaction, you should call the same number listed above.
Contact The Regulator Of The Financial Institution
Should the matter stay unresolved with your card issuer, feel free to contact the FDIC for guidance on the matter:
- Toll-free: 1-877-ASK-FDIC (1-877-275-3342)
- E-mail: https://www.fdic.gov/contact/
The fastest way to block a merchant from charging your credit card is to contact them directly. Normally, a merchant will quickly reverse a charge made in error without too much hassle.
If you can’t resolve the dispute, you must log into your Chase credit card account and file a dispute via the “Report a Problem” tab.