Can you dispute a charge on your debit card if someone uses it without your permission and they have the receipt as evidence?

If someone uses your debit card without your permission, you may be wondering if you can dispute the charge, even if the person who used it has the receipt as evidence. The answer is yes, you can dispute the charge.

Here are the steps to dispute a charge on your debit card:

  1. Contact your bank or credit union as soon as possible to report the unauthorized charge.
  2. Provide your bank with the date, time, and amount of the unauthorized charge.
  3. Provide your bank with any evidence you have that the charge was not authorized, such as a copy of your receipt.
  4. Your bank will investigate the unauthorized charge and determine if it is valid.

If your bank determines that the charge was not authorized, they will reverse the charge and credit your account.

Even if the person who used your debit card has the receipt, you may still be able to dispute the charge if you can provide evidence that the charge was not authorized.

Related questions:

  • Can I dispute a charge on my debit card if I lost it and someone else used it? Yes, you can dispute the charge if you report the lost card to your bank as soon as possible.
  • Can I dispute a charge on my debit card if I gave my card to someone else and they used it without my permission? Yes, you can dispute the charge if you can provide evidence that you did not authorize the person to use your card.
  • What should I do if I am disputing a charge on my debit card? Contact your bank or credit union as soon as possible to report the unauthorized charge and provide them with any evidence you have.
  • How long does it take to dispute a charge on my debit card? The time it takes to dispute a charge on your debit card will vary depending on your bank or credit union.
  • What happens if my bank denies my dispute? If your bank denies your dispute, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).

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