What to know before filing a dispute:
- We can only dispute settled transactions. Why? If the transaction is still pending, it’s not considered final yet as it can still be reversed by the merchant and fall off automatically. If you notice a transaction error on a pending transaction, keep an eye on it to see if it settles. Most pending transactions fall off after 5 business days. You can check the status of a transaction by tapping on it while viewing your Transaction History in the Current app.
- Have you contacted the merchant? Contacting the merchant is often the fastest way to have your issue resolved. If you reached out to the merchant prior to contacting us, please be sure to let us know.
What to expect:
Once your dispute is filed, we'll start investigating your claim right away. Please keep in mind the following when waiting for a dispute to be finalized:
- Disputes have a maximum timeframe of 90 days to be completed.
- Some disputes are eligible for a provisional credit. If we’re not able to complete our investigation within ten business days, your account will receive a temporary credit for the charges being disputed, if eligible. Click here for more information about provisional credits.
- We’re required to provide the merchant time to respond to the claim.
We will send you an email once our investigation is finished to inform you of the outcome of your claim. Please note that communication may be limited during the investigation. However, you can check the status of your dispute anytime in the "Disputes" section of your account.