Dispute Reporting Process

• Cardholders must report unauthorized or incorrect transactions to the issuer

• Disputes can be raised through mobile apps, customer care, or bank portals

• Most banks require the dispute to be filed within 30 to 60 days of the transaction

• A reference number is issued and shared for tracking the dispute status

• Some banks also allow disputes to be raised via written communication or email

Investigation and Resolution Timeline

• The bank initiates an investigation by contacting the merchant involved

• Resolution may take 10 to 30 working days depending on the nature of the issue

• Provisional credit may be provided while the investigation is ongoing

• If the dispute is valid, the amount is reversed and no liability is charged

• For invalid disputes, a detailed explanation is shared with the cardholder

Common Types of Disputes

• Unrecognized charges, duplicate transactions, or unauthorized card usage

• Incorrect billing amounts, refunds not processed, or subscription renewals

• Issues related to declined EMI conversions or failed reversals

• Disputes for cancelled travel or services not rendered

• Fraudulent online transactions or merchant errors in processing

Documentation and Support Required

• Supporting documents like invoices, emails, or charge slips may be requested

• Cardholders should submit written details and transaction evidence if needed

• Statements, dispute forms, and police reports (for fraud) may be required

• Banks may temporarily block the card during fraud investigations

• Prompt and accurate documentation helps speed up resolution

Tips for Smooth Dispute Handling

• Regularly review card statements to spot discrepancies early

• Report disputes promptly within the allowed window

• Maintain records of all business transactions and receipts

• Use SMS and email alerts to track all card usage in real time

• Escalate unresolved issues to the bank’s grievance cell or ombudsman if necessary