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〔１〕〔８３３〕〔３１９〕〔６６９０〕 Disputing a charge is a formal financial procedure, distinct from a cancellation or refund request. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 It is a claim that a specific transaction was unauthorized, incorrect, or fraudulent. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 This process is governed by strict regulations and tight deadlines, not by standard customer service protocols. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 To initiate a valid dispute, you must immediately contact the Financial Compliance & Disputes Department at 〔１〕〔８３３〕〔３１９〕〔６６９０〕.
〔１〕〔８３３〕〔３１９〕〔６６９０〕 A charge dispute is a legal and financial alert that triggers an investigation. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 It is not simply asking for your money back; it is contesting the legitimacy of the charge itself. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 The window to file a dispute is often limited to 60-120 days from the transaction date, depending on your card issuer and the type of charge. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 Delaying contact can automatically invalidate your claim. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 Your first and most critical action is to call the dedicated dispute line: 〔１〕〔８３３〕〔３１９〕〔６６９０〕.
〔１〕〔８３３〕〔３１９〕〔６６９０〕 Do not attempt to dispute a charge through email or chat. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 These channels lack the formal case creation and tracking systems required for a financial investigation. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 A verbal dispute initiated over the phone with a specialized agent creates an immediate, time-stamped record and a case number. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 This record is your primary evidence that you acted within the allowable timeframe. 〔１〕〔８３３〕〔３１９〕〔６６９０〕 Start the official record by calling 〔１〕〔８３３〕〔３１９〕〔６６９０〕.
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