How do I dispute a hotel charge?

How to dispute a hotel chargeback
  1. The cardholder contacts their bank. ...
  2. The issuing bank reviews the claim. ...
  3. The acquirer receives the chargeback. ...
  4. Merchant receives the chargeback. ...
  5. Acquirer receives the evidence. ...
  6. The issuing bank receives supporting evidence. ...
  7. Arbitration.




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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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When a hotel visitor lodges a dispute with their credit card company or issuing bank, a chargeback happens. The dispute could be prompted by a variety of factors, such as their card being charged twice, or the guest and/or card processor identifying fraudulent purchases made with the card in question.

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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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The bottom line
Businesses cannot charge your credit card without authorization. Hotels will typically get your authorization to place a hold on your card for your stay at the time you check in.

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Typically, free cancellation can be made at least 2-3 days before the check-in date. However, hotels may have different cancellation policies, so always review the terms and conditions. If you cancel the booking one day before your check-in, the hotel may charge a fee from the card you used to make the reservation.

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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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As you can see, most hotels take 3-5 business days to refund credit card incidental holds after you check out. However, it can vary based on each hotel's policies and factors like your bank's processing time.

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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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Some hotels provide full refunds even if you cancel just a day in advance. Others may keep a percentage of your room rate if you cancel on short notice. But if the hotel's written rules indicate it won't provide refunds for customer-canceled rooms, you may have a tough time getting your money back.

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