What happens if a dispute gets denied?

Consequences of Denied Credit Card Disputes

When you dispute a charge on your credit card, the issuer investigates the claim. However, if the dispute is denied, the following consequences may arise:

1. Charge Restoration:

Upon denial, the disputed charge will be reinstated on your credit card balance. This means that the amount you initially contested will become payable again.

2. Denial Explanation:

The credit card issuer will provide you with an explanation for the denial. They will typically cite one or more reasons, such as:

• Lack of sufficient evidence
• Failure to prove fraud or unauthorized use
• Merchant documentation supporting the charge

3. Collection Efforts:

If you fail to repay the disputed charge after the denial, the credit card issuer or a collection agency may initiate collection efforts. These could include phone calls, letters, and even legal action.

4. Legal Consequences:

In some cases, failure to pay a disputed charge after a denial could result in legal action being taken against you. This could lead to a judgment against you and damage to your credit rating.

Steps to Take After a Denied Dispute

If your dispute is denied, you may want to consider the following steps:

• Review the denial explanation: Carefully examine the reasons provided by the issuer to understand why the dispute was denied.
• Gather additional evidence: If you have supporting documentation or evidence that was not previously submitted, you can present it to the issuer for reconsideration.
• Contact the merchant: Reach out to the merchant directly to discuss the situation and see if they are willing to resolve the issue amicably.
• Consider mediation or arbitration: If you cannot reach an agreement with the issuer or merchant, you may consider involving a third-party mediator or arbitrator to facilitate a resolution.

Remember that it is important to act promptly and communicate with the credit card issuer and merchant to avoid further consequences.