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Disputing a charge with my bankUpdated 2 months ago

When to Dispute vs Request Refund

Before disputing a charge with your bank, understand the differences between a dispute and a refund request.

Refund requests are faster and better for:

  • Charges you recognize but want refunded
  • Subscription you forgot to cancel
  • Trial conversion you didn't expect
  • Charges after cancellation
  • Incorrect amounts

Benefits of refund request:

  • Faster resolution (days vs weeks)
  • Won't affect your CENTR account
  • Direct communication resolves issues
  • Can maintain relationship with CENTR if you want to return

When to Dispute With Bank

Bank disputes (chargebacks) are appropriate for:

  • Fraudulent charges you didn't authorize
  • Charges after you've tried to get refund from CENTR/platform and failed
  • Charges you completely don't recognize
  • Company won't respond to refund requests

Consequences of Bank Disputes

Important warnings:

  • Account suspension: Your CENTR account may be suspended immediately
  • Collections: Disputed amount may be sent to collections if dispute fails
  • Future access: May be prevented from resubscribing
  • Longer process: Bank investigations take 30-90 days
  • Not guaranteed: Banks don't always rule in customer's favor

Proper Process: Try Refund First

Step 1: Contact CENTR or Platform

For web subscriptions:

  • Email [email protected]
  • Request cancellation and refund
  • Explain situation
  • CENTR typically responds within 24 hours

For Apple subscriptions:

  • Go to reportaproblem.apple.com
  • Request refund directly from Apple

For Google subscriptions:

Step 2: Wait for Response

  • Give CENTR/platform 3-5 business days to respond
  • Check spam folder for responses
  • Follow up if no response after 5 days

Step 3: If Refund Denied or No Response

Then consider bank dispute as last resort.

How to Dispute With Your Bank

If you've exhausted other options:

  1. Contact your bank
    • Call number on back of card
    • Ask for disputes or chargeback department
  2. Provide information:
    • Transaction date and amount
    • Merchant name (CENTR, CENTR LLC, Apple, or Google)
    • Reason for dispute
    • Documentation of refund attempts
  3. File formal dispute
    • May need to complete dispute form
    • Provide written explanation
    • Include any email correspondence
  4. Wait for investigation
    • Banks investigate for 30-90 days
    • Temporary credit may be issued during investigation
    • Final decision communicated via mail/email

Documentation to Provide Bank

  • Bank statement showing charges
  • Emails to/from CENTR or platform requesting refund
  • Cancellation confirmations (if applicable)
  • Screenshots of subscription status
  • Timeline of events

Dispute Outcomes

If Bank Rules in Your Favor

  • Charge is reversed
  • Money returned to your account
  • Your CENTR account may remain suspended
  • May not be able to resubscribe

If Bank Rules Against You

  • Charge stands
  • You owe the amount
  • Temporary credit (if given) is reversed
  • Can still try contacting CENTR for resolution

Impact on Subscription Services

What happens to your CENTR account:

  • Likely suspended when dispute filed
  • Access to app ends
  • Account may be flagged
  • May not be able to resubscribe with same email or payment method

Alternative: Contact CENTR Support

Even if you're considering dispute, contact CENTR first:

  • Email: [email protected]
  • Explain: "I'm considering disputing charges with my bank unless we can resolve this"
  • Provide: Charge details and why you believe refund is warranted
  • Often results in faster resolution than bank dispute

Best Practices

  • Always try direct refund request first
  • Give company chance to respond (3-5 business days)
  • Document everything - save all emails and responses
  • Only dispute as last resort
  • Understand consequences before proceeding

Common Questions

"Can I dispute and keep my CENTR access?"

No - disputes typically result in immediate account suspension.

"How long do bank disputes take?"

30-90 days for investigation and final decision.

"Will I definitely win my dispute?"

No - banks review evidence and may rule in merchant's favor if subscription was legitimate.

"What if CENTR won't give me a refund?"

Document the denial, then you may proceed with bank dispute if you believe charge was unauthorized.

Need Help?

Before disputing with bank, contact:

  • Email: [email protected]
  • Explain your situation and desire for refund
  • Most issues can be resolved directly, avoiding need for bank dispute
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