How do I dispute a hotel charge and win?

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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The credit card issuer will contact the merchant (hotel) to investigate the disputed charge. The issuer will likely rule in your favor if the hotel cannot prove the charge was valid. Remain engaged throughout the investigation and provide any additional documentation needed.

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

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No, hotels are not allowed to charge a credit card without your signature. This is because it is against the law for any business to process a payment without the customer's authorization.

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If you find yourself in a situation where you cannot pay for your hotel stay, the best course of action is to communicate with the hotel management. Explain your situation and work with them to come up with a solution. Many hotels are willing to work with guests to find a payment plan or alternative solution.

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I'll go into detail about all of the common issues you might encounter at a hotel and give you some insight into how to complain.
  • Broken fixtures.
  • Cleanliness.
  • Noise.
  • Bad service. Inconveniences. Lack of attentiveness. Incompetence. Rudeness.
  • Recurring issues.


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Experts say most places will offer you a refund if you have a reasonable excuse. If you are stuck with a nonrefundable room, try changing the date of your reservation. Some hotels will let you move the date of your stay if you ask. You can also resell your room and get your money back that way.

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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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