How to dispute a charge at Discover
Discover gives cardholders 60 days from the statement date to file a dispute. Discover typically resolves disputes within 7 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Dispute window60 days from statement date
Chargeback window120 days from transaction date
Typical resolution7 business days
Debit card vs credit card protections
Debit card (Reg E)
Debit: limited — Discover is primarily a credit card issuer
Credit card (Reg Z)
Credit: 60 days from statement
How to file at Discover
- 01Online: discover.com/dispute-center
- 02Phone: 1-800-347-2683
Generate your Discover dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with Discover-specific submission instructions and your deadline.
Select your dispute type:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
Write my Discover dispute letter →