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 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 and have additional information/documentation to provide.
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.