We’re committed to making disputes as simple as possible. If you notice fraudulent or delinquent activity on your card, you can report the transaction directly through your Divvy dashboard or mobile app. Follow the steps below to report a dispute.

When submitting a dispute, you can select one of two dispute types: Fraud or Discrepancy. The Fraud dispute type should be selected if a charge has been made without your authorization. The Discrepancy dispute type should be selected if you authorized the transaction but an error occurred (e.g., a cancelled reservation or damaged goods).

After the dispute has been submitted, you can view the progress of a disputed transaction.

Note: Transactions approved through 3-D Secure cannot be disputed for fraud.

jump to Mobile steps

1. In the Divvy Navigation Menu, click the Transactions link.

2. Click the transaction you want to dispute.

3. Click the Options icon [1] and select the Dispute transaction option [2].

4. To select the Fraud dispute type, click the Fraud button [1]. To select the Discrepancy dispute type, click the Discrepancy button [2]. To learn more about these dispute types, click the Need help deciding? link [3]

Note: The Fraud dispute type is not available for any transactions approved through 3-D Secure.

5. If you selected the Fraud dispute type, you must first cancel your card to prevent future fraudulent charges. To cancel the card, click the Cancel Card and Continue button. Learn how to create a virtual card or order a new physical card.

Discrepancy Dispute Type

6. If you selected the Discrepancy dispute type, select the reason for your discrepancy. You can select cancelled subscription, cancelled purchase, incorrect payment method, damaged item, missing refund, duplicate charge, item never arrived, or overcharged/partial dispute.

7. To complete the dispute process, complete all the questions in the form.

8. An investigation will then take place regarding your submitted dispute. Please expect up to 90 days for your dispute to be reviewed. A fraud specialist will contact you once a resolution has been made.

2. Tap the transaction you want to dispute.

3. Tap the Options icon [1] and select the Dispute transaction option [2].

4. To select the Fraud dispute type, tap the Fraud button [1]. To select the Discrepancy dispute type, tap the Discrepancy button [2]. To learn more about these dispute types, tap the Need help deciding? link [3]

Note: The Fraud dispute type is not available for any transactions approved through 3-D Secure.

5. If you selected the Fraud dispute type, you must first cancel your card to prevent future fraudulent charges. To cancel the card, tap the Cancel Card and Continue Dispute link [1]. To cancel the dispute, tap the Cancel dispute link [2]. Learn how to create a virtual card or order a new physical card.

6. If you selected the Discrepancy dispute type, select the reason for your discrepancy. You can select cancelled subscription, cancelled purchase, incorrect payment method, damaged item, missing refund, duplicate charge, item never arrived, or overcharged/partial dispute.

7. To complete the dispute process, complete all the questions in the form.

8. An investigation will then take place regarding your submitted dispute. Please expect up to 90 days for your dispute to be reviewed. A fraud specialist will contact you once a resolution has been made.

After a transaction has been disputed, that transaction immediately displays the Disputed tag under the status section of the Transactions page. This identifies that this is a transaction that you have processed a dispute for. This tag displays for the transaction until it has been closed.

When a dispute is processed, there is typically communication between Divvy and the merchant to sort out the disputed transaction. This communication will often result in either a single credit back to your account, or a series of credits and debits between Divvy and the merchant as the claim is processed.

Once a transaction has been closed, it will display the Dispute Won or Dispute Lost tag, depending on the outcome of the dispute. Learn how to view the progress of a disputed transaction.

If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.