In the unlikely event that you notice a purchase from your Accrue account that you did not make — or did not receive an item/experience purchased using Accrue — you may need to dispute the charge. Learn more about how we help you through every step of this process.
Contact the merchant
If you authorize transactions but still need to dispute them, we suggest contacting the merchant first. Often, the merchant can answer your questions and quickly resolve your dispute.
If you aren’t satisfied with a purchase or an item never arrived, contact the merchant to explain. They may be willing to refund the charge or work with you to find a solution. The merchant's phone number may be on your receipt or billing statement.
We can still dispute a debit card charge on your behalf. To file your dispute, just contact our support team at support@accruesavings.com or by call us at 1-844-918-3672.
How Long Do I Have To Dispute a Debit Card Charge?
You typically have up to 60 days from the statement date in which the transaction appeared to dispute a transaction.
Reasons to dispute a charge
The most common valid reasons to dispute a debit card charge include:
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Fraudulent transactions: If you notice purchases on your account that weren’t authorized by you, you should contact Accrue Savings immediately. Your debit card will be canceled, and you’ll be issued a new one.
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Double charges: If you made a purchase but were charged twice, that’s a good reason for a dispute. For example, if you bought a $42 gift at a gift shop but notice two separate $42 charges, you may contact us to dispute the duplicate charge.
Please note: Generally, it's not possible to dispute pending charges. Banks typically only assist with issues related to posted charges because there's a chance that a pending amount will change or drop once it posts. If you see a duplicate transaction, we recommend waiting a few business days before filing a dispute. -
Incorrect charges: If your card was charged for an incorrect amount, you may wish to dispute the charge after contacting the merchant. For example, if you have a receipt showing a purchase for $50, but you were charged $70, that charge can be disputed.
Please note: Generally, it's not possible to dispute pending charges. Banks typically only assist with issues related to posted charges because there's a chance that a pending amount will change or drop once it posts. If you see a duplicate transaction, we recommend waiting a few business days before filing a dispute. -
Purchases that weren’t delivered: If you pay for something and it’s never delivered, that could be a reason to dispute the charge. However, we suggest contacting the merchant directly to see if you can resolve it before filing a dispute.
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Purchases that were damaged or mis-advertised: If you receive goods that were damaged in shipment and/or mis-advertised (a used item sold as new, for example), that could be a reason for a debit card dispute.
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Returns without refunds: If you return an item but are never issued a refund, we suggest contacting the merchant directly to see if you can resolve it before filing a dispute.
How to dispute a charge on your Accrue debit card
If you need to file a dispute for a purchase made with your Accrue account, you must call Accrue directly to file a dispute.
To dispute a charge, follow these steps:
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Call Accrue Savings at 1-844-918-3672
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Explain that you’d like to dispute a charge
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Identify the charge(s) that you’d like to dispute
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Explain whether these were fraudulent transactions or charges that you are disputing with the merchant
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Gather any proof that you have, such as receipts
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Follow the instructions provided by the representative
For fraudulent transactions, the bank will cancel your debit card and issue you a new one.
How long do disputes take?
Disputes need to be thoroughly investigated and this may take up to 90 days. We will keep you informed if a provisional credit is issued and we will also inform you about the outcome of the investigation.
Bottom line
Can you dispute a debit card charge? Yes. Contact the merchant or Accrue Savings if you see activity you do not recognize or that was billed incorrectly.
How do I contact Accrue if I have more questions?
You can email us any time at support@accruesavings.com, and someone from our support team will contact you.
You can also call 1-844-918-3672 if you prefer to speak to a representative.