Act immediately

Unauthorized charge

"I did not make this charge and did not authorize anyone to make it on my behalf."

What's happening here

Someone made a purchase using your card details without your knowledge. This can happen after a data breach, card skimming, or account takeover. You did not authorize the charge and did not benefit from it. Banks are required under Regulation E (debit) and Regulation Z (credit) to investigate these claims.

Evidence to gather before disputing

Banks require documentation before they'll investigate. Collect these before you file:

  • 01Statement showing the charge
  • 02Police report (if identity theft is suspected)
  • 03Record of when you last had physical possession of the card
  • 04Any fraud alerts or notifications from your bank

Dispute reason codes

These Visa/Mastercard chargeback reason codes apply to this scenario. Your bank handles the coding — this is for reference.

10.411.2

Time sensitivity

This scenario has the highest time urgency. Unauthorized charges should be reported within days — not weeks. The sooner you file, the better your protections under Regulation E (debit) or Regulation Z (credit).

Charges commonly linked to this scenario

These descriptors appear on statements alongside similar disputes.

Ready to dispute?

Generate a letter for this exact scenario, pre-filled with bank-specific details.

Generate letter: Unauthorized charge
Unauthorized charge — How to handle this dispute | MysteryCharges