Have you ever received unauthorized Charges On Chase Debit card? We understand how this situation may make some feel sometimes, and that is why we decided to make this post to address this scenario.
Unauthorized Charges on debit card does not happen only on Chase bank; it also happens in every other bank out there. So Chase bank may not be alone in this issue; all we have to do is to know how to address the issue when it arises.
Chase Debit Card
Chase bank offers debit card mostly inform Visa card, and these can be used anywhere that accepts the regular Visa card.
The chase debit cards work the same way other debit cards work. With the chase debit card, you can make cash withdrawals, online purchases, in-store purchases, and other acceptable transactions.
What Is Unauthorized Charges On Chase Debit Card?
This is a situation whereby your Chase debit card is charged/debited with an amount of money, without your permission. Most times, you would only get to know about the charges through a text message notification.
But if you don’t always get messages from your chase bank account, it means it may be hard to know about the unauthorized charges on chase debit card until you check your balance.
Causes Of Unauthorized Charges On Chase Debit Card
As the saying always goes, “nothing happens without a cause”. The unauthorized Charges On Chase Debit Card does not happen without a reason; there must be one or more reason that might have promoted that.
1. Fraudulent Activities
This is one of the most frequent reasons for unauthorized charges on chase debit card. When you get any notification or debit alert on your chase account without your permission, then there may be fraudulent activities going on in your account.
Fraudsters can have access to your Chase Debit Card if they have succeeded in stealing your Debit card or your Debit Card vital information. This is why you should we try as much as possible to protect your debit card very well, especially people you don’t trust.
The best thing to do when this situation arises, is to contact chase claims department or chase customer service, as quickly as possible.
2. Billing Error
Billing error is a situation whereby your Chase debit card is charged incorrectly, either due to network error or mistake from the Marchant where you made a purchase.
If you had made any purchase online or in-store, you have to cross-check to know if the billing error is from the merchant. If it’s from the merchant, then you may need to contact the merchant to rectify the issue.
But if the error is as a result of Chase network issue, then all you have to do, is contact chase claims department or chase customer service, and make your complaints.
3. Problem With A Purchase
Most times it may be that you attempted to make a purchase with your chase debit card, but the purchase was not successful. If you were still charged even when the purchase was not successful, then you may need to contact the chase claims department.
How To Solve Unauthorized Charges On Chase Debit Card
Generally, the best way to solve the issue of unauthorized charges on chase debit card, is to:
- Dispute the charge on Chase.
- Or contact the chase claims department or chase customer service.
How To Dispute A Charge On Chase App (Chase Claims Process)
Yes, if you are faced with the issue of Unauthorized charges on chase account, actually dispute charge chase, and have your money reverted to you. Just follow the guide below:?
- Sign in to Chase app or Chase online to access your Chase account.
- Once signed in, select the particular transaction you want to dispute.
- Review the transaction details.
- Click on Dispute.
- Chase will provide you with a few questions to answer. Answer those questions.
- Click Dispute Transaction.
- This will bring out the chase claims process.
- Follow the process.
- Review your responses.
- Click on Submit Dispute.
- You can use the Dispute Tracker to know the dispute status.
Chase Dispute Charge Phone Number
One interesting thing about chase is that they have multiple ways you can reach them, in any case of problem.
In case you would not like to use the Chase Claims Process as described above, you can also reach them directly through phone call. So, the Chase dispute charge phone number is: 1-866-564-2262.
Chase Customer Service
If you would rather wish to contact Chase Customer Service for tie transaction problems, you can reach them on the hotlines below: ?
- Existing Accounts: 1-800-CHASE38 (1-800-242-7338)
- Online/Mobile Banking Technical Support:
- 1-877-ChasePC (1-877-242-7372)
- Outside the United States: 1-713-262-3300
- Business Platinum Line: 1-877-425-8100
- Cash Management: 1-800-606-7615
- Ink Business Credit Card Services: 1-800-945-2028
- Card Member Services: 1-800-346-5538
- Merchant Services: 1-888-886-8869
- ACH Support: 1-800-677-7477
- Chase Customer Claims: 1-866-564-2262
- Debit Card Fraud Prevention: 1-800-978-8664
- ACCESS and Payable Web Service: 1-866-872-3321
- ARP and Controlled Disbursement Inquiries: 1-800-235-6286
Chase Claims Department Hours
Chase Claims Department Hours are from 7:00 am to 11:00 pm, from Monday through Friday.
While on Saturday and Sunday, Chase Claims Department Hours are from 10:00 am to 7:00 pm.
Does Chase Refund Unauthorized Charges?
Yes, Chase refunds unauthorized charges as long as the error was from them. However, you would have to try as much as possible to dispute the charge immediately you notice it.