How do I handle a transaction dispute?

I received a charge on my credit card that I don't recognize. What should I do?

First, check your recent transactions to see if you might have forgotten about it. If it's still unrecognized, contact your bank.

What information do I need to provide to my bank?

You'll need to provide details like the transaction date, amount, and any relevant account information. It's also helpful to explain why you believe it's a dispute.

How long does it usually take to resolve a dispute?

Resolution times can vary, but most banks aim to resolve disputes within 30 to 90 days. You should receive updates during this period.

What if my bank doesn't resolve the dispute in my favor?

If that happens, you can escalate the issue by filing a complaint with the Consumer Financial Protection Bureau or seeking legal advice.