Disputing charges?

[09Lexie]

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@Closingracer99 wrote:
Oh I know that... I was just curious if it had to be done with chase will they be frowning upon me for doing a dispute?

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Chase is no different than any other lender regarding the proper steps to file a dispute.

1. As always,   try and have the charge in questioned corrected by the merchant.

2. Keep records, names, written documentation as evidence in support of your claim

3. Be able to prove that you tried with the merchant, they failed to correct in a reasonable timeframe and you did not receive the goods/services you were charged. 

You really are putting the cart before the horse if you start with the creditor. 

As to how they will feel? It's a business transaction, they don't feel; it's either credited back to you or charges will stand. 

[TheConductor]

They won't frown on a legitimate dispute, but they will frown on a frivolous one.

Exhaust all your other options before disputing the charge.

Accounts do get closed for excessive chaergebacks.

[SunriseEarth]

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@09Lexie wrote:

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@Closingracer99 wrote:
Oh I know that... I was just curious if it had to be done with chase will they be frowning upon me for doing a dispute?

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Chase is no different than any other lender regarding the proper steps to file a dispute.

1. As always,   try and have the charge in questioned corrected by the merchant.

2. Keep records, names, written documentation as evidence in support of your claim

3. Be able to prove that you tried with the merchant, they failed to correct in a reasonable timeframe and you did not receive the goods/services you were charged. 

You really are putting the cart before the horse if you start with the creditor. 

As to how they will feel? It's a business transaction, they don't feel; it's either credited back to you or charges will stand. 

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+1.

I'd highly recommend calling into the DMV before you even consider disputing with the CCC.   BTW, has the charge actually posted or is this a pending hold?

[compassion101]

So did he still not get the renewal?

After the problem occurred with the website, how did he get and pay for the renewal when he actually got it? If so then he paid twice, you can dispute the one on the credit card and offer the other payment/receipt as part of the evidence. Still might be easier to try the DMV first, but if that proves difficult then yes you can dispute with Chase, they won't hold a legitimate dispute against you. Normally they credit the amount immediately to your account as a courtesy and let you know when the dispoute has been solved. If not solved in your favor then the charge will be reissued to your card.

[mxp114]

Some of the info posted is inaccurate. The party responsible for proof depends upon the type of dispute being initiated. For example, a claim of non-receipt requires nothing from you and instead the merchant must prove delivery.

Disputes should be a last resort but you don't have to truly exhaust every single option prior to disputing a charge. Your situation is unclear, but I agree with those that suggested you first contact the DMV for resolution.

[Closingracer99]

My question was more of a pre-emptive thing. I have never done a dispute and was curious to how it works should I need to. It is still in pending. I have since caller and they say it will be credited back but I will see.

[compassion101]

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@Closingracer99 wrote:
My question was more of a pre-emptive thing. I have never done a dispute and was curious to how it works should I need to. It is still in pending. I have since caller and they say it will be credited back but I will see.

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I'm still confused. Did he ever get the renewal, and if so, how was it paid for?

[Closingracer99]

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@compassion101 wrote:

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@Closingracer99 wrote:
My question was more of a pre-emptive thing. I have never done a dispute and was curious to how it works should I need to. It is still in pending. I have since caller and they say it will be credited back but I will see.

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I'm still confused. Did he ever get the renewal, and if so, how was it paid for?

 This wasn't and issue with the charge but with his license itself 

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No he hasn't got the renwal yet. 

There wasn't an issue with the credit card but with the license itself