If you see a charge on your Tilt credit card that you don't recognize or that looks incorrect, you can dispute it.
First, identify your dispute type:
I don't recognize this charge / I didn't make this transaction → this is a potential fraud or unauthorized charge
I made the purchase, but something went wrong (wrong amount, not delivered, already cancelled) → this is a merchant dispute
To start a dispute, contact us. Disputes can only be opened on settled transactions — not pending ones. If a charge is still pending, check back once it posts and then initiate the dispute.
If your dispute involves an unauthorized charge: We'll freeze your card right away to protect your account. A replacement card will be issued as part of the dispute process. Provisional credit is typically applied within 5–10 business days of your dispute being filed.
If your dispute is a merchant dispute: We'll investigate and may apply provisional credit while the case is open. You'll hear from us if we need anything.
What to expect if your dispute is not found in your favor: The disputed amount will be reposted to your account as a new purchase. You can open a new dispute on the reposted charge if you disagree with the outcome.
If your concern is about something reported to your credit bureau — not a transaction on your card — that's a separate process. Contact us to get that started.