If you dispute something through your bank how long does it take to get money back

If you dispute a transaction with your bank, the length of time it takes to get your money back will vary depending on the bank and the reason for the dispute. Generally, it can take anywhere from a few days to several months to resolve a dispute.

Here is a general timeline of what you can expect:

  1. File a dispute: Contact your bank and file a dispute within 60 days of the unauthorized transaction.
  2. Bank investigation: The bank will investigate the dispute and gather evidence. This can take a few days to several weeks.
  3. Decision: The bank will make a decision on the dispute. If the bank finds in your favor, you should receive a refund within a few days.
  4. Request a chargeback: If the bank does not find in your favor, you can request a chargeback. This is a more formal process that can take several months to resolve.

Here are some factors that can affect the length of time it takes to resolve a dispute:

  • The complexity of the dispute
  • The amount of money involved
  • The bank's policies and procedures
  • The availability of evidence

Related Questions:

  1. What is the first step to disputing a transaction with your bank? File a dispute within 60 days of the unauthorized transaction.
  2. What is a chargeback? A more formal process that can be requested if the bank does not find in your favor.
  3. What are some factors that can affect the length of time it takes to resolve a dispute? Complexity of the dispute, amount of money involved, bank's policies and procedures, availability of evidence.
  4. How long does it usually take to get a refund after a dispute is resolved in your favor? A few days.
  5. What should you do if you dispute a transaction and the bank does not find in your favor? Request a chargeback.

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