If you see a charge on your Tilt debit card that you don't recognize or that looks incorrect, here's how to dispute it.
Before you file: check if the charge has settled
Look up the transaction in the Tilt app. If it's still pending, wait until it settles — disputes can only be opened on settled transactions. Once it posts, you have up to 90 days from the settlement date to file.
Identify your dispute type
Unauthorized charge — You didn't make this transaction (potential fraud or stolen card)
Authorized but incorrect — You made the purchase, but the amount is wrong, the item wasn't delivered, or you were charged twice
How to file
Contact us by phone with the following ready:
Date of the transaction
Merchant name and transaction amount
Whether the charge was unauthorized or authorized but incorrect
If your dispute involves an unauthorized charge, we'll also issue a new debit card immediately to protect your account. It will arrive within 7–10 business days.
What happens after you file
We open an investigation as required under federal Regulation E and apply a provisional credit to your account within 5–10 business days for the disputed amount. This temporary credit protects your access to those funds while we investigate. We'll send you email updates throughout the process.
Most disputes are resolved within 45–90 days. Some cases take up to 120 days if the merchant responds and additional review is needed.
Possible outcomes
Dispute won — The provisional credit stays in your account permanently.
Dispute not found in your favor — The provisional credit is reversed and the original charge remains. We'll mail you a letter explaining the outcome.
Merchant issued a refund — The provisional credit is reversed; the merchant refund appears separately in your transaction history.
Dispute cancelled — If you contact us to cancel before resolution, the provisional credit is reversed.