How to Dispute a Charge on Bluebird Card
If you have a Bluebird card and need to dispute a transaction on your account, we can help. At the end of reading this, we want you to be equipped to successfully dispute a charge on Bluebird Card. In this post, we will explain in detail how the dispute process works, the time limit, how long it may take to get your money back, whether they will issue you a temporary refund while the investigate your claim, and what evidence you need to provide for them to begin an investigation into your claim.
How to Dispute a Charge on Bluebird Card
Here are the Steps You need to take to dispute a charge on your Bluebird Card Account.
Step 1 – Call Customer Service
The first step is to contact Bluebird Customer service as soon as you see a charge you did not authorize or there is a transaction on your card that is not accurate.
Here is what you will need to provide when you call Bluebird Customer Service:
- Your name and Bluebird Account number.
- Description of the transfer or transaction you are unsure about, and explanation of why you believe it is in error or why you need more information.
- The dollar amount and the date of the transaction you are disputing.
You can call Bluebird Customer Service at 1-877-486-5990, 24 hours a day, 7 days a week.
You have 60 days from the time the transaction you are disputing occurred to submit a claim to Bluebird. Your dispute claim must include the information requested above in order for it to be valid.
Step 2 – Submit a Claim
Calling customer service is the first part of the process. That is important because it gets your dispute on record.
However, you will most likely be required to submit a dispute claim in writing. If you are asked to send your dispute in writing, follow the instructions provided by the customer service agent over the phone.
It is important that you provide all the information requested in writing, including the ones listed above. This will speed up the process. Any missing information will only delay the investigation and push back when you may likely get your money back.
Mail your dispute information to:
Care P.O. Box 826
Fortson, GA 31808
If you can afford it, you should track the letter in order to make sure it is received. You can do that by mailing it via priority mail with delivery confirmation or certified mail via the USPS.
You have 10 business days to submit the information requested to Bluebird by mail.
Disputing a Pending Charge
Be aware that you cannot dispute a pending charge until it has posted. The reason for that is that pending charges are temporary and may change. Only posted transactions can be disputed with Bluebird.
If you have any immediate concerns about a pending charge, you should contact the merchant directly.
It can take a few days for pending transactions to post into your account. Once the transaction is no longer pending, you can initiate a dispute with Bluebird.
Note that Bluebird will not begin their investigation until all the information requested has been submitted to them. While they wait on you to submit the information, you will NOT be issued a temporary credit.
Temporary Credit to Your Account
Bluebird does not immediately credit your account with the amount you are disputing while they investigate your claim.
This can be frustrating for some customers that have a large amount under dispute because they are not able to get access to those funds immediately.
Here is what has to happen before Bluebird will issue you a temporary credit while they investigate your dispute:
Bluebird will only issue temporary (provisional) credit to your account if they think your dispute is going to take more than 10 business days to investigate.
If your dispute will take more then 10 business days to investigate, they will issue your temporary credit within 10 business days AFTER receiving all the documents requested.
If they think your dispute can be investigated within the 10 business days, you will most likely NOT be issued a temporary credit.
This is what causes confusion and frustration for most customers since they are used to credit card companies and banks issuing temporary credits while they investigate suspicious transactions.
How Long Does Dispute Process Take?
It takes them 10 business days (two weeks) to investigate most disputes after they have received your complete information.
Once the investigation is complete, it takes Bluebird (1) business day to correct any errors if the investigation showed that an error occurred.
Disputes that need more time can take up to 45 days for the investigation to be completed.
Disputes involving new Accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate.
In addition, for new Accounts, it may take up to 20 business days (one month) to issue a temporary credit to your Account for the amount you believe is an error.
What Types of Disputes Will Bluebird Investigate?
Not every dispute submitted meets the standard for investigation. According to Bluebird, the issue has to be due to an error resulting from a transfer of money to and from your card or transactions posting to your card. This includes the following:
Once your issue has been investigated, Bluebird will communicate the results to you within 3 business days and fix any error that was discovered within one business day.
If they decide that there was no error in the transaction you are disputing, Bluebird will send you a written explanation, like the letter below:
If you were given a temporary credit and the results of the investigation do not conclude that there was an error, then the money that was credited to you will be debited back.
We hope this article was helpful in clarifying the dispute process with Bluebird. If you have any further questions about how to dispute a charge on Bluebird card, let us know in the comments section below.
We also want to hear about your experience with the Bluebird Dispute Resolution Department. Were they helpful? Did they resolve the issue? What was the outcome of their investigation into your issue? Tell us in the comments section below.