How the math works
The three clocks on a Chase dispute, honestly labeled
Every date in the navigator comes from one of three sources — and the tool labels which is which, because they answer different questions:
| Clock | Who sets it | The rule |
|---|
| Chase's 60-day window | Chase's own published guidance | "You typically have 60 days from the statement date that reflects the unauthorized charge to dispute it" — chase.com |
| FCBA written notice (credit) | Federal law | Written billing-error notice within 60 days of the first bill showing the error; creditor must acknowledge in writing within 30 days and resolve within two billing cycles |
| Reg E error notice (debit) | Federal law | Error notice within 60 days after the statement is sent; the bank must investigate within 10 business days (provisional credit if it runs longer) |
| Network filing window | Card-network norm — not Chase-published | Visa/Mastercard frameworks let the issuer file most dispute categories up to about 120 days from the transaction processing date |
How to file with Chase
Three routes, all Chase's own: online — sign in at chase.com or the Chase app, open the account, tap the posted transaction, and choose "Report a problem" (only posted charges can be disputed; wait 1–3 days if it is pending); by phone — 1-800-935-9935 (opt. 8) for checking/debit, 1-800-955-9060 (opt. 2) for personal credit cards; in writing — the FCBA written notice for credit-card billing errors, sent by certified mail with return receipt.
The trap this tool exists to catch
The 60-day figure appears twice and the two are not the same: Chase's guidance (file online or by phone) and the FCBA's written-notice requirement (a letter, within 60 days of the first bill with the error). The online report starts Chase's process; the written letter is what preserves your federal rights. And the 120-day network window is not Chase-published at all — it is the issuer-facing window under card-network rules, which is why a dispute filed through Chase after day 60 can still reach the merchant. Read the full breakdown in how to dispute a Chase charge — the complete guide.
Want the full Chase playbook?
Credit vs debit paths step by step, what Chase asks for, the 60-day-vs-120-day trap explained, provisional credit honestly described, and the denial ladder — with the navigator above the fold.
Read the Chase dispute guide
Sources (verified October 23, 2026): Chase — "How to Dispute a Credit Card Charge" (chase.com, published 2023-05-03) for the 60-day guidance, the FCBA figures ($50 liability cap, 30-day acknowledgment, two-billing-cycle investigation, $50/100-mile quality rule), and the filing routes; Chase — "How to report fraud" (chase.com) for the app flow and the three published phone numbers; Regulation E (12 CFR 1005.6, 1005.11) for the debit-card 60-day notice, 10-business-day investigation / provisional-credit, and liability tiers; Visa/Mastercard chargeback dispute-timeframe norms for the ~120-day issuer filing window (network norm, not Chase-published). Your cardmember or deposit account agreement is the final word.
General information only — not legal advice. Chase's terms change and your account agreement governs your dispute. Verify deadlines with Chase and, for federal rights, the FCBA and Regulation E texts themselves.
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