This site is an independent educational resource. We are not a bank, card issuer, payment processor, financial advisor, or affiliate of any merchant or issuer mentioned. Information about Regulation E (12 CFR 1005), Regulation Z (12 CFR 1026), Regulation II (12 CFR 235), the Electronic Fund Transfer Act, and the Truth in Lending Act is sourced from the Consumer Financial Protection Bureau, the Federal Reserve, and the Federal Trade Commission as of April 2026. Rules change; verify with your card issuer or a licensed advisor before acting. Nothing on this site is personalised legal, tax, or financial advice.

creditcardvsdebitcard.com

Updated June 2026

JPMorgan Chase: Credit vs Debit Card Dispute Process in 2026

JPMorgan Chase's credit cards (Chase Sapphire Preferred, Chase Sapphire Reserve) give you Regulation Z dispute rights. JPMorgan Chase's debit product (Chase Total Checking / Sapphire Banking debit card) gives you Regulation E rights. Here is how each works in practice, with verified contact information.

Verified contact numbers

Credit Card Disputes

1-800-432-3117

Source: chase.com/digital/resources/privacy-security/security/report-fraud

Always verify: use the number on the back of your card first

Debit Card Disputes

1-800-935-9935

Source: chase.com/digital/resources/privacy-security/security/report-fraud

Always verify: use the number on the back of your card first

Chase provisional credit: when do you get your money back?

"Provisional credit" is a temporary refund while your dispute is investigated. Whether Chase owes you one, and by when, depends entirely on whether the disputed charge was on a debit card (Regulation E) or a credit card (Regulation Z).

Debit card · Reg E

Within 10 business days

If Chase cannot finish investigating a debit card dispute within 10 business days, Regulation E (12 CFR 1005.11(c)) requires it to provisionally credit your account within 10 business days and give you full use of the money while it investigates — up to 45 days, or 90 days for point-of-sale and foreign transactions. Accounts opened in the last 30 days get 20 business days instead of 10.

Credit card · Reg Z

No fixed deadline

Regulation Z (12 CFR 1026.13) sets no provisional-credit deadline for credit card disputes. Instead, while Chase investigates a billing error you filed within 60 days, it cannot make you pay the disputed amount or report it delinquent, and it must resolve the dispute within two billing cycles (no more than 90 days). Any earlier credit is a courtesy, not a legal right.

Sources: 12 CFR 1005.11(c) (Reg E provisional credit) · 12 CFR 1026.13 (Reg Z billing-error rights).

JPMorgan Chase Credit Cards

Chase Sapphire PreferredChase Sapphire ReserveChase Freedom UnlimitedChase Freedom Flex

Chase credit card disputes: log in to chase.com > Account services > Dispute a charge, or call the number on the back of your card. Chase typically resolves disputes within 30-60 days. Provisional credit may be issued during investigation. For billing errors under Reg Z, submit within 60 days of the statement date showing the charge.

JPMorgan Chase Debit Product

Chase Total Checking / Sapphire Banking debit cardChecking Debit

Chase debit card disputes: call 1-800-935-9935 or visit a branch. Chase's debit dispute process follows Reg E 12 CFR 1005.11. For unauthorised transactions, Chase typically issues provisional credit within 10 business days while investigating. Chase's published Zero Liability Policy covers debit card fraud when reported promptly.

Fraud-Detection Features

  • ✓Zero Liability Protection on both credit and debit Visa cards
  • ✓Real-time fraud alerts via push notification and SMS
  • ✓Card lock/unlock in Chase mobile app
  • ✓Chase Credit Journey (free credit monitoring)
  • ✓Virtual account numbers available for some credit cards via Chase Pay

Notable Policy

Chase's Zero Liability Protection applies to both credit and debit cards for Visa-network transactions. For debit, coverage requires reporting within the timelines specified by Reg E; Chase extends zero liability for prompt reporting consistent with Visa's network rules.

Charter: OCC (national bank charter) · HQ: New York (operational), Ohio (charter)

Phone Number FAQ

Is 1-800-432-3117 a legitimate Chase phone number?▼
Yes. 1-800-432-3117 is listed by JPMorgan Chase for credit card customer service and disputes (source: chase.com/digital/resources/privacy-security/security/report-fraud, checked June 2026). If you receive an unsolicited call claiming to be from this number, hang up and dial it yourself or use the number on the back of your card; caller ID can be spoofed.
Is 1-800-935-9935 a legitimate Chase phone number?▼
Yes. 1-800-935-9935 is listed by JPMorgan Chase for debit card and banking customer service, including Reg E disputes (source: chase.com/digital/resources/privacy-security/security/report-fraud, checked June 2026). If someone calls you from this number asking for credentials or codes, hang up and dial it yourself; legitimate banks do not ask for one-time passcodes on inbound calls.
What number do I call to dispute a Chase credit card charge?▼
Call 1-800-432-3117 or use the number on the back of your card. Under Regulation Z (12 CFR 1026.13), billing-error disputes must be raised within 60 days of the statement date showing the charge. Chase also accepts disputes through online banking.
Does Chase give provisional credit while a dispute is investigated?▼
It depends on which card. For a Chase debit card dispute, Regulation E (12 CFR 1005.11(c)) requires Chase to provisionally credit your account within 10 business days if it cannot finish investigating in that time, with full use of the funds while the investigation continues (up to 45 days, or 90 days for point-of-sale and foreign transactions; 20 business days for accounts opened in the last 30 days). For a Chase credit card dispute, Regulation Z (12 CFR 1026.13) sets no provisional-credit deadline; instead, you are not required to pay the disputed amount and it cannot be reported delinquent until the dispute is resolved, within two billing cycles (no more than 90 days).

Sources

Phone numbers verified against issuer websites June 2026. Always use the number on the back of your card as the primary contact. Not financial advice.

All IssuersBank of America →