![]() ![]() In that case, you are not required to put a complaint in writing, though if things escalate, you may want to - but regardless, you should first make a phone call to your issuer to report it missing if your credit card was stolen or has been lost.īelow, you’ll find an example letter that details a dispute scenario. Unless your credit card was stolen or lost.But if you really want justice – let’s say you’re thinking of taking this to court someday if you don’t get your money back – you have to put your complaint in writing. ![]() There’s no harm in making a phone call to your credit card’s customer service line before putting your complaint in writing. You need to make your complaint in writing.But in terms of having a case for getting a refund, you are required to try and talk to the merchant first. Always a good idea, no matter where the vendor is located, to at least send an email or make a phone call to see if you can work things out. You need to try and work things out with the vendor first – and provided the vendor is within 100 miles of your address.But at least if you’ve experienced a costly fraudulent charge, you’ve got recourse. It’s just that if your credit card issuer won’t bend, there’s not much you can do. Again, you can quibble with your credit card issuer if it’s a charge for $47. The credit card charge has to be over $50.See something wrong on your credit card statement? And the charge has been within the last 60 days. By knowing those rights, as detailed below, you ’ll likely be more successful in your dispute. If you have concerns about the authenticity of any alert, please contact JPMorgan Chase Customer Service at the number on the back of your card.The Fair Credit Billing Act gives every American certain credit card holder rights in a credit card dispute. JPMorgan Chase will never require you to send account or personal information by text or email. If you are traveling and your card is blocked, please contact JPMorgan Chase Customer Service at the number on the back of your card for assistance. Any transactions marked as fraud will initiate a case to JPMorgan Chase’s Fraud Recovery Team. If fraud is confirmed, the current PCard/Travel Card account will be blocked and a new PCard/Travel Card will be issued. If the cardholder responds that it is fraud, the hold placed on the account will remain, and the cardholder will be directed to contact JPMorgan Chase Customer Service by calling the number on the back of their PCard/Travel Card. If the cardholder responds that the transaction is valid, the hold placed on the account will be removed, and the PCard/Travel Card will be available for use. The cardholder will be directed to reply to the alert and verify if the transaction is valid. Delegates are not able to register a cardholder for alerts. You can go to the JPMorgan Chase Commercial Card Portal at any time to delete or add alerts to your account. Additionally, you can opt out of text alerts by replying ‘STOP’ to an alert. Once a cardholder registers to receive cardholder alerts, an alert will be sent when suspicious transactions are identified on their account and a hold will be placed on the card.Ĭardholders can sign up to receive email and/or mobile SMS alerts, which will be sent 24 hours a day, seven days a week. Reconcile the credit in Concur using the expense type “Fraudulent PCard Transactions” within 45 days of the transaction date.Ĭardholder fraud alerts are one of the easiest and fastest ways to confirm fraudulent use of a cardholder’s account.JPMorgan Chase will investigate the transaction and if fraud is confirmed a credit will be issued to your PCard/Travel Card.Reconcile the transaction in Concur using the expense type “Fraudulent PCard Transactions” within 45 days of the transaction date.JPMorgan Chase will close your current account and send a replacement card to your billing address.Contact JPMorgan Chase Customer Service at the number on the back of your card within 60 days of the transaction date.If unauthorized charges appear, or you are unable to verify the nature or amount of a charge, you should dispute the charge. I MPORTANT: Review your PCard/Travel Card charges frequently in Concur to ensure there are no fraudulent charges on your account. ![]()
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