Payment charged twice or wrongly: how to check, dispute and complain (the United States)

Is the service having trouble?

If a payment was charged twice or wrongly, the first step is to see if the payment service or your bank is having a widespread outage. Look at the service's page on this site to check the current status, built from recent visitor reports.

Check the official website of the service and its official status page if it has one—linked from the service page here. These are the fastest way to see if others are reporting the same problem.

What to do right away

This helps you tell whether the problem is your connection, your device, or something real.

Visit the official help and contact pages of the service. They may explain how charges work or offer a way to ask about the charge directly. You can also report the service here on this site using the report button; one report per service per hour is allowed.

Check your bank's records to confirm the charge shows once or multiple times there. Write down the date, amount, and transaction ID before you contact anyone.

• Separate your connection or device from the problem by trying another way in.

Who can confirm a problem, and how to reach the service

The status on this site comes from reports by visitors and is not official. Only the payment service itself and your bank can confirm that a charge was wrong or duplicated.

The service may have published an official status page (linked from the service page here if we found it). The help pages and contact pages of the service (also linked where available) are the official way to get an answer.

If you were charged twice or wrongly: how to dispute it

In the United States, you can dispute a charge with your bank (the card issuer). The bank must receive your complaint and acknowledge it within 30 days. You may hold back the disputed amount, and related finance charges, while the bank looks into it.

The issuer has 90 days, counted from the day it gets your complaint, to settle the dispute. You can also file a complaint with the CFPB, which sends your complaint to the bank or nonbank company involved. That company will generally respond to your complaint within 15 days.