How to Fix Incorrect Discover Card Charges
If you’ve noticed an incorrect charge on your Discover Card, don’t panic.
Discover provides a clear, straightforward process to help you dispute charges and resolve issues quickly. Here’s how you can handle it.
Review Your Statement Carefully
Before contacting Discover, ensure that the charge in question is truly incorrect. Sometimes, transactions appear unfamiliar but are legitimate. Check for the merchant’s full name, the date of the transaction, and any other relevant details on your statement to confirm the charge.
Use Discover’s Online Dispute Center
Discover offers an online dispute center where you can quickly file a dispute for unauthorized or incorrect charges. Simply log into your Discover account, navigate to the Transaction Details page, and follow the steps to report the issue. You’ll need to provide details about the charge and explain why it’s incorrect.
Call Customer Service Immediately
If you prefer direct assistance, you can call Discover customer service at 1-800-DISCOVER (1-800-347-2683). A representative will guide you through the process of disputing the charge. Be ready to provide your account information and any relevant details about the charge.
Provide All Necessary Documentation
When disputing a charge, be prepared to provide supporting documentation, such as receipts, order confirmations, or correspondence with the merchant. This helps Discover quickly resolve the issue and protects you from being held responsible for the charge.
Monitor Your Dispute Progress
Once your dispute is filed, you can track the status of your claim through your online account or by contacting Discover customer service. They will provide updates and let you know if any additional information is required.
Wait for Resolution
Discover will investigate the disputed charge and usually resolve the issue within 30 to 90 days. If they find that the charge was indeed incorrect, they will remove it from your account and ensure you’re not charged interest on the disputed amount.
Check for a Temporary Credit
While the dispute is being processed, Discover may issue a temporary credit to your account to ensure you’re not penalized while the investigation is underway. This can give you peace of mind during the process.
Know Your Rights with Zero Liability
If the charge was fraudulent, Discover offers Zero Liability protection, meaning you won’t be held responsible for any unauthorized purchases. Contact customer service immediately to report fraudulent charges and resolve the situation quickly.