How to Reverse the Charges on My Visa

One of the benefits of making purchases with a Visa card, is that you can reverse a charge if the product you ordered never arrived -- if it arrives damaged -- or if a false charge is made. If a merchant will not reverse your charge, Visa will handle it for you, and thoroughly investigate your official dispute.

Instructions

1

Return to the merchant and ask to reverse the charge to your Visa. If the merchant won't work with you to reverse the charge, move on to Step 2.

2

Contact Visa. You will need to provide the customer service representative with the date, amount of the charge, the name of the merchant, and a reason why you want to dispute the charge. Visa will then contact the bank of the merchant, and ask for a chargeback.

3

Write a letter to Visa explaining the situation with the above information, if Visa requires you to do so. This happens in some cases. Visa may also require your signature to pursue the chargeback, especially if the merchant has breached the law in any way.

4

Contact the authorities and report the charge if the merchant charged your Visa card illegally. Visa will require you to do this, if you have not already.