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Disputes

  • I want to dispute a transaction on my account. What should I do?

    We recommend you contact the merchant first if there are any issues with your purchase. This could help avoid the need for a formal dispute.
     

    If you still need to dispute the purchase, submit the details and supporting documents within 60 days of the charge appearing on your billing statement to us online.
     

    To dispute a transaction online, log in to your account and select Transactions from the Activity & Statements menu. Then, click the + sign on the transaction you would like to dispute. Click the Dispute button and fill out the requested information. You’ll have the opportunity to upload up to two supporting documents, so have contracts, credit slips, emails and receipts ready.
     

    A specialist will review your case and contact you if needed. We may issue provisional credit to your account after contacting the merchant’s bank.
     

    Continue to make payments to your account. Finance charges will not be assessed on the disputed portion of your balance. However, if the dispute is not resolved in your favor, the transaction will be subject to the terms and conditions of your Cardmember Agreement.
     

    We'll try to resolve your dispute as quickly as possible, but it may take a few weeks depending on the complexity of your case. We'll notify you when we complete our investigation.

  • Will you issue me a credit while my dispute case is open?

    Generally, we'll only issue a credit if the dispute is resolved in your favor.

  • Will I be required to pay finance charges on the transaction I'm disputing?

    You won't be required to pay finance charges on the disputed portion of your balance during the investigation period. If the dispute isn't resolved in your favor, you'll be responsible for any applicable finance charges or fees. The investigation period can last up to 90 days.

  • Can I dispute an item on my credit report directly through Barclays?

    Yes, you can submit your dispute in writing to Barclays at the address below. However, it is recommended to dispute directly with the credit agency where the discrepancy was reported.
     

    Card Services
    P.O. Box 8803
    Wilmington, DE 19899
     

    Be sure to include the following information:
     

    •  Account number
    •  Name, address, phone number
    •  An explanation of your dispute (be specific)
    •  Supporting documentation

  • I've been expecting a refund from a merchant, but I haven't received it. What should I do?

    Please attempt to contact the merchant directly. Your refund may be processed faster this way. If you're unsuccessful, please submit your dispute to us online.


    To dispute a transaction online, log in to your account and select Transactions from the Activity & Statements menu. Then, click the + sign on the transaction you would like to dispute. Click the Dispute button and fill out the requested information. You’ll have the opportunity to upload up to two supporting documents, so have contracts, credit slips, emails and receipts ready.


    In most cases, we must be notified within 60 days of the date the charge appeared on your billing statement. We'll reach out to you if we have any questions or to notify you when the dispute is resolved.

  • Do I have any recourse if my dispute is resolved in the merchant's favor?

    Yes, please submit any additional details of your dispute and supporting documents to us online.
     

    Log in to your account and select Transactions from the Activity & Statements menu. Then, click the + sign on the transaction you would like to dispute. Click the Dispute button and fill out the requested information. You’ll have the opportunity to upload up to two supporting documents, so have contracts, credit slips, emails and receipts ready.
     

    We'll be happy to review your dispute again.

  • Can I dispute a charge if the merchant inconvenienced me or I have not received a promised rebate?

    Yes, you should contact the merchant immediately if you received goods or services that didn't meet your expectations.
     

    If you're unsuccessful, we may be able to help. Please submit your dispute to us online.
     

    To dispute a transaction online, log in to your account and select Transactions from the Activity & Statements menu. Then, click the + sign on the transaction you would like to dispute. Click the Dispute button and fill out the requested information. You’ll have the opportunity to upload up to two supporting documents, so have contracts, credit slips, emails and receipts ready.
     

    In most cases, we must be notified within 60 days of the date the charge appeared on your billing statement. We'll reach out to you if we have any questions or to notify you when the dispute is resolved.