How to Dispute Debit Card Charges and Get Your Money Back with Provisional Credit

This is very good information. Thank you.

Yes, that applies to Pre-Paid Credit/ Debit cards too💳😉
Jesus Christ Loves Us All, Hallelujah, Amen❣️🙌

this is a very uncommon dispute. talk about the most common authorized transaction that went bad, did not receive, received broken, not as described,..and they do not want to take it back, Chinese sellers are very bad for this.

I'm going through this right now. Sadly, my husband passed away almost a year and a half ago and we had a joint checking account with Capital One, which I have continued using. For some reason, after he passed, I never thought to call the bank to notify them of his passing and cancel his debit card. His passing was VERY sudden and unexpected, and we were right in the middle of buying a house when he passed, so I guess I wasn't thinking about that since I was completely overwhelmed at the time for very obvious reasons. Fast forward to yesterday morning, I logged into my bank account when I got home from the gym to check my balance as I do every morning before work and saw over $11k in fraudulent charges on my checking account. They ALL came from my late husband's debit card, which I haven't even seen since he passed away well over a year ago. I think the last time I saw it was in our old house right before I moved a few months after he passed. The charges were all from some company that I've never heard of that's based out of Australia. I live in the US and definitely have not done business with any companies in Australia, and I certainly have not used my late husband's debit card since his passing! I admitted to the bank that I didn't even know where his debit card was and that I hadn't seen it since shortly after he passed away last year before I moved into my new house. They seemed to be understanding of the circumstances and made note on the dispute that he had been deceased for over a year and that the card has not been in my possession since, nor ever given to anyone to use. They immediately canceled his card and filed disputes on the charges. Now, I am waiting for my provisional credit to be posted to my account. I talked to two different representatives at Capital One yesterday and they both assured me that I would see the provisional credits on my checking account within 1-2 business days. When I woke up this morning, I immediately logged into my banking app to check, but the credits still are not there. They told me yesterday that if I don't receive the credits today, then it would definitely be the following day and that I would also receive an email about it, which I have yet to receive, but they said that could take a day or two as well. I'm SO stressed over this!!!!! I could barely even sleep last night, and I am absolutely kicking myself for not closing out my husband's debit card when he passed away. It has been active and in an unknown location this entire time. I hate this waiting game!

I booked a cruise months in advance. When we boarded the boat, there AC wasn’t working throughout the ship as well in our room. The room smelt of sewage. No way we could of gone on the cruise so we exited before they left port. I filed a dispute, they credited the account a few days later but still waiting to see if it gets resolved in my favor

Walmart money card sent 800 to someone i don't know

Hi, I’ve been a victim of fraudulent transactions lately and really depresses me. I own a debit card and the financial institution are investigating this, taking 2-4 months to resolute the dispute. Are debit card holder eligible for provisional credit?

I experienced such also it wasn't easy but I'm glad i was able to get help from the abve mentioned professional who helped and saved me.
Can also assist you effectively

In the event of paying for a service and you not receiving that service, does the merchant get notified? Do they say their side of the story or do they just look at the charges and refund it if you claim you didn’t get anything. For example I paid for a personal trainer and the guy just went ghost on me

Hi need help with understanding something

Hey I did a dispute from a company I disputed all transactions even the ones that got declined now I got free credit should I spend the money???

Don't expect cash app to ever do anything if your access is compromised

Is there a limit on how much you can dispute??

wells fargo soocks

just received a temporary credit adjustment even tho I already received a refund. so, it was doubled. what should i do?

I fell for a sob story about a dude and his ill parent, I sent him money, said he’d pay me back, but I’m almost certain he blocked me.

Think I can win a dispute and cancel these transactions or did I just lose money?

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I never believe I can came across someone like TRENCHDAWG am so glad to found you and I promise you not gonna regret trusting me.. thanks for the card once again Dawg💯🤟

Can a bank take back final credit and reopen closed investigation? Never got provisional credit only final credit.

Speaking from experience, Wells Fargo is horrible. They denied my claim for a charge to a foreign bank with no explanation that i reported right after it happened. They are the most scandalous and litigated bank of all the major banks

As a matter of fact I did that this morning, for a purchase I made back in late November , which I didn't receive. Contacting my bank spent an hour and a half on the phone going through everything. Then they send me an email and it said within two business days I will receive a provisional credit for the amount I was out

Thank you for the info.

I'm very bad, I always come to this country as a tourist and this time I decided to open a bank account, but 2 days ago they stole 400 dollars from my account, this being impossible because I carry it well hidden everywhere and only I know my pin, I was going to buy my flight back to my country with that money, now I don't even have to eat, I really hate PNC Bank

I need some help too. I went to a store yesterday and I gave the customer service agent 34.00 in cash and the rest I wanted to put on my card. She took the money and at first the order was down to 17.01 but my receipt says 51.62 (without the cash) this was at bath and body works and I'm not sure how to approach this? I put my card in and there was an error on her end, she pressed the button and the screen still said 17.01 but the charge said the full amount and the cash was not included. It was not printed on the receipt. Can I still file a charge with my bank? or, how do I even go about handling this? I should always check my receipt but never had this happen before. Do I go in and try to explain the situation? Any advice is appreciated.

Thank you so much for this! Very informative:)

I appreciate your help.

Do anyone know if this also works with spruce

They’re saying they paid me today but it’s been 3hourz it’s still not in my account

Eyes 😍😍😍😍

Good afternoon how I can contact with you I need help I had Unauthorized activities from my debit card and bank doesn’t want to return my money please let me know how I can contact with you so if you know maybe you can help me thank you so much

i noticed there was a $82 charge that I don't remember authorizing and it mentioned jeezmedia which I've never heard before. I've emailed my bank and have blocked my cards to stop any other transaction, I'm concerned that it will keep charging. Is there anything I should do?? Thanks.

What would happen if a charge was for an illegal service ...can you file a dispute then?

Am I allowed to use Provisional credit?

My debt card was stolen and the person made store purchases with the pin, can I get a refund then.

I went through some of these things that's why I swear I hate people sometimes not you I love your channel that's why I don't trust social media thank you for your channel I'm sorry I'm just frustrated boost Mobile never delivered my order for one thing messing orders and somebody also made a fake Facebook account of me no wonder I would feel that way thank you though I can't say no more right now I don't feel good I'm too stressed out

Thanks so much DAWGGOAT for the card dispute the cashout is really easy and sweet, I love yo walkthrough and da way you put me throu, you’re fuckin real man🐐💯

Thanks so much DAWGGOAT for the card dispute the cashout is really easy and sweet, I love yo walkthrough and da way you put me throu, you’re fuckin real man🐐💯

i had 2 amazon purchases show up in my account and these purchases arent in my amazon payment history. somehow someone online got my card info so i canceld my card and started the claim. im hoping they can give me the money back because it was a lot of money =(

I’m having the same problem I just gave up but now that I think of it this was a almost 300$ charge. And I never got my package bummer It was thru chime and it was a package from Amazon I spoke to the merchant and he issued a refund and to check with the bank now the bank (chime) doesn’t want to give me the money back because supposedly for them I received the package because when I disputed it and they did an “investigation” Amazon sent them a picture of the package on my front porch but I let them know that I spoke to the merchant and let them know my package wasn’t there when it arrived so he gave me a refund but now the bank doesn’t want to give me that money what do I do ??? It would be great to have that money back

I got fraud and the fraudster took money $950 from my savings account. They did Global E transfer into Poland based on what is says in the description of my bank statement as it says "PLN" with bunch of numbers, no name into it. I talked to the bank and they asked me these questions as well which I answered them truthfully on this. I said I did not lent my card or share my password to anyone. I am in Canada right now and I only deal transactions in Canada and I don't know how these fraudster was able to transfer that $950 into Poland and change settings into my account to prevent me to get alert because usually when I add someone to E transfer it gives me code and it notifies me on my phone and email but this fraudster turn it off. It is good thing I checked my transaction history 2 days after. It sucks that some people who would do this especially during pandemic. I just got this job recently and I had a hard time catching up my bills and rent. It was hard earned money so hopefully I get my money back in time. They told me the investigation can take up to 10 business days and then if they determine that it was indeed fraud which I strongly believe it is because I did not authorized that transaction and don't recognized it at all. I am really stressed over this and upset about it. Hopefully it will sorted out. I am open my bank and will close my current bank once I got my money back.

Not helpful. That was just common knowledge.

I’m dealing with this issue I filed a claim I’m an Uber driver Sunday I deposited $522 into my account and yesterday I bought coffee breakfast sandwiches for eight dollars and sporadically when I was doing my trip my app notified me that $479 was deducted from my account I freaked out cancel my ride and placed a dispute they asked me if the card was in my possession and asked me a couple of questions and I explained you can look at my transaction history I go to the same gas station eat the same food at the same Chinese restaurant how can this happen in a different state

What if someone took a card out in my name on a card I have never had.

Please discuss the what the time limitations are for disputing a charge.
Got 3 different answers from 3 different reps at card member services.
The last they claimed u only have 60 days to dispute credit card charge.
Is this true ?
Or are there exceptions to this 60 time frame?

Ouch. Sorry to hear that. Who hacked you?

I have provisional credit right now while they are investigating and i spent some of it, is that bad ? And if i do win my dispute which is should will i still have the same balance i have right now ?

Thank you😇🙏🏻

How can u get the money the same day as credit I been trying in it haven’t gave it back my transaction isn’t pending either

I’ve been charged from a purchase I did not do and there’s a header saying “Check Card” what does this mean ?