I checked my Discover card statement and found two charges I can’t remember making. How can I get these transactions overturned?
The first step to take in this situation is to thoroughly review all the data you have about the charges.
Look at the billing descriptors. The short description that identifies the seller on your statement might help you determine where exactly the purchase was made. The billing descriptor doesn’t always list the business’s name, but might include other identifying information like a phone number or website. If additional information is listed, try calling the number or visiting the site. It might be that the transaction is valid, but you simply don’t recognize the seller or remember the purchase.
If you can’t identify the purchase yourself, check with anyone else who might have access to your card.
If no one in your household made the purchase, the next step is to contact the merchant.
In many cases, a business will be happy to work with cardholders to avoid the long and drawn-out bank dispute process. However, if you can’t identify the seller or are unable to arrive at an agreement, the next step is to contact eConsumer Services®.
Our agents operate as an independent third-party to mediate disputes between merchants and cardholders. Fill out our claim form to get started. We’re ready to advise and assist cardholders 24 hours a day, seven days a week.