Filing a chargeback might sound complicated, but it's a process any cardholder can initiate if they believe a transaction on their account is wrong. Whether you were charged twice, never received a product, or suspect fraud, a chargeback can help you get your money back. Still, the process isn't as simple as clicking a refund button—you need to follow specific steps to give your bank a reason to act in your favor.
In this guide, we'll walk you through how to do a chargeback properly, how to recognize legitimate bank communication, and what role those strange bank phone calls (like 866-564-2262 and 800-849-3574) might play in the process.
When to Request a Chargeback
Before jumping into a chargeback, try contacting the merchant first. Many issues can be resolved through customer service, and banks often prefer you take that step first.
Request a chargeback if:
- The merchant won't respond or refuses to resolve the issue
- You're nearing the deadline (often 60 to 120 days from the transaction date)
- The charge appears fraudulent or unauthorized
How to File a Chargeback
Every bank has its own process, but here's a general roadmap:
- Log into your online banking or credit card portal. Look for a recent transaction and select "Report a Problem" or "Dispute This Charge."
- Choose the reason for your dispute. You'll usually have to select from a list: item not received, service canceled, fraud, etc.
- Provide supporting details. The more information you can share—emails, receipts, screenshots—the stronger your case.
- Submit your claim. Some banks resolve issues in a few days; others can take several weeks.
- Monitor the case. You may be contacted by your bank for additional information.
What Are Bank Dispute Numbers?
Bank dispute numbers are phone lines used by banks and card issuers to reach out to customers about chargebacks, fraud claims, and transaction issues. These aren’t random cold calls. They’re usually triggered by something related to your account: a suspicious charge, an ongoing dispute, or a claim that needs clarification.
Here are the most commonly reported numbers and the banks they’re linked to:
- 866-564-2262 – Citibank. This number is associated with their fraud and dispute teams. Customers report receiving calls about unauthorized transactions or account verifications.
- 888-464-0727 – Capital One. Known for outbound calls related to disputed charges or fraud alerts.
- 800-642-4720 – Wells Fargo. This line is used for follow-ups on transaction issues, declined payments, or disputes.
- 800-849-3574 – Chase. An official Chase Dispute Department line used to verify chargebacks or escalate claims.
- 800-446-6307 – Discover. Used when reaching out about suspicious charges or open fraud cases.
It’s worth noting that while these are known numbers, fraudsters have been known to spoof them. So don’t rely on caller ID alone.
Why You Might Be Getting Calls From Them
These calls are often triggered by:
- A dispute you filed with your bank
- A merchant challenging your chargeback
- An unusual or high-risk transaction
- An automatic fraud alert flagged by your card issuer
Sometimes you won't even know there's an issue until you get the call. That doesn't mean it's a scam. But it does mean you should proceed carefully.
How to Know a Call About a Chargeback is Legit
Before calling back or providing any info, take these steps:
- Check your account. Log into your online banking app. Look for dispute messages, alerts, or pending claims.
- Search the number. Use your bank’s official website. Many list their customer service and dispute lines.
- Never give sensitive information. If the caller asks for your full SSN, PIN, login credentials, or verification codes, hang up.
- Use your card's phone number. If you're unsure, call the number printed on the back of your card.
What to Do If You Missed the Call
If you didn’t answer or want to verify:
- Check your voicemail for a case ID or transaction reference.
- Search online for the number + bank name to confirm legitimacy.
- Contact your bank directly using a verified number. Do not rely solely on callback requests.
- Don’t delay if it could affect a dispute outcome.
Signs the Call Might Be a Scam
Here are red flags that should raise concern:
- The caller pressures you to act immediately.
- They ask for two-factor codes that were sent to your phone.
- They want remote access to your device.
- You don’t recognize the transaction they’re calling about, and they get defensive when questioned.
Scammers often create a sense of urgency to trick you. Stay calm and verify everything.
Tips to Protect Yourself During the Chargeback Process
- Enable fraud alerts in your banking app.
- Don’t click on links sent via text by unknown numbers.
- Trust your instincts. If something feels off, it probably is.
- Keep notes of any conversations and the names of agents you speak with.
What Happens After You File a Chargeback?
Once you file a chargeback, your bank will investigate. They may temporarily credit your account while they reach out to the merchant. If the merchant provides evidence to counter your claim, your bank will decide whether to uphold the chargeback or reverse it.
In some cases, you might receive a call from the bank to clarify the dispute. This is where those verified numbers come back into play.
When to Get Extra Help
If you’re:
- Stuck in a loop of denied disputes
- Confused about the chargeback process
- Dealing with repeated, unexplained calls
You may benefit from expert support. Banks aren't always great at explaining what's going on. And disputes can get messy fast.
Not Every Call Is a Scam, But Not Every Call Is Safe
Numbers like 800-849-3574 and 866-564-2262 are tied to real banks, but spoofing makes it hard to tell what’s real. Always confirm through official channels, never rush to share information, and take charge of your own account safety.
FAQ about Bank Dispute Numbers
Is 800-849-3574 really from Chase?
Yes, this is a known number for Chase’s Dispute Department. Still, verify by checking your account and using official contact methods.
Should I call back 866-564-2262?
If you have a Citibank account and suspect a dispute is ongoing, log in and check your alerts first. Then contact Citi using the number on your card.
Why do banks call instead of sending messages in the app?
They may need verbal confirmation, especially when a dispute is being escalated or needs to be closed quickly.
Can a scammer spoof a real bank number?
Yes. That’s why it’s important to never trust a call blindly. Always verify.
What if I gave personal information during one of these calls?
Immediately contact your bank, freeze your account if needed, and monitor for any unauthorized activity.
Tired of Getting the Runaround From Banks About Disputes?
If you have a business and it’s feeling the pressure from rising chargebacks, unpredictable alerts, or confusing bank callbacks, Chargeblast can help. Our platform gives teams the tools to manage disputes with clarity, speed, and confidence. Stop scrambling to respond to alerts from five different banks and start getting ahead of the process. Explore how Chargeblast streamlines dispute resolution with automated workflows and smart alerts and put the power back in your hands.
