Can I dispute hotel charges with my bank?

Typically, a cardholder can initiate a chargeback within 120 days of the transaction date. It takes 60-75 days to receive a decision after giving proof for the issuing bank to consider. The bank's decision is final and cannot be challenged directly with them.



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Usually, a cardholder can initiate a chargebacks within 120 days from the date of the transaction. After providing evidence for the issuing bank to review, it takes between 60-75 days to receive their decision. The decision of the bank is final and cannot be contested directly with them.

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Many hotel stays are refundable as long as you cancel within at least 48 hours. But some aren't. If you leave without making any arrangements, the hotel probably will charge you for the full stay. Experts say hotels consider refund requests on a case-by-case basis.

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If a hotel refuses to refund customer payments, the Federal Trade Commission (FTC) may step in via an enforcement action.

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Each hotel may have different eligibility criteria for obtaining a refund through the waiver. Some common requirements include cancelling within a certain timeframe before your arrival date or providing documentation for a valid reason for cancellation, such as illness or a change in travel plans.

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They Cost a Lot of Time & Energy
Once a case is set in motion, it usually takes 60-75 days to settle a dispute. During this process, it's on you to show that your transaction was authorized and legitimate. That means you have to collect and send a lot of documentation to prove your case.

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You can also dispute the charge with your credit card company, who may be able to reverse the charge if they deem it to be unjustified. It's important to note that some hotels may offer more flexible cancellation policies, such as allowing cancellations up to 24 hours before the check-in date without penalty.

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Here are some common situations where a transaction can be disputed:
  • You canceled a service and you're still being charged for it.
  • You made a purchase, but the amount on your statement is wrong or you were charged twice.
  • Service or merchandise was not as described.


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How to Get Your Money Back from a Bad Hotel
  1. Step 1: Address the Issue with the Hotel Staff. ...
  2. Step 2: Write a Complaint Letter. ...
  3. Step 3: File a Complaint with the Better Business Bureau. ...
  4. Step 4: Leave a Review on Travel Websites. ...
  5. Step 5: File a Chargeback with Your Credit Card Company.


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