call4me blog

We called Chase, Capital One, Discover, PNC and Wells Fargo on the same Saturday evening and asked how a dispute works. All five put us through to a person. Here's what they said, what federal law actually requires for credit and debit cards, and the 60-day deadline three of the five representatives left out.

We called Chase Card Services on a Saturday evening with no card, asked how a cardmember disputes a charge, and reached a live specialist 2 minutes 14 seconds in. Here's the phone tree, what the specialist said, what Chase's own dispute page says, and the full 4 minute recording.

We called 1-800-DISCOVER on a Saturday evening with no card and asked how a cardmember disputes a charge. We reached a live person in billing disputes 2 minutes 3 seconds in, who wouldn't answer anything without an account. Here's the phone tree, what Discover's cardmember agreement says to do instead, and the full 4 minute recording.

We called 1-800-CAPITAL on a Saturday evening with no card, asked how a cardholder disputes a charge, and reached a live representative 47 seconds in. Here's the phone tree, what he said about verification, provisional credits and hours, what Capital One's dispute page says, and the full 6 minute recording.

We called PNC's credit card line on a Saturday evening with no card, said we wanted to dispute a transaction, and reached a live representative 2 minutes 16 seconds in. Here's the dispute menu, what he said about evidence, timing and provisional credit, how PNC debit disputes differ, and the full 4 minute recording.

We called Wells Fargo's credit card line on a Saturday evening with no card, asked how a cardholder disputes a charge, and reached a live representative 2 minutes 52 seconds in. Here's the phone tree, what he said, the one answer he got wrong, the separate debit card claim lines, and the full 9 minute recording.

Call 1 800 252 7522 for Alaska Airlines reservations. We reached a person at 12:44 after its virtual assistant offered a transfer. Hear the call and find the right contact for your trip.

We called Chime's Member Services line with general questions for this guide. Two key presses got us to a live representative 1 minute 21 seconds in. Here's the phone tree, what the representative said about hours, callbacks, disputes and lost cards, and the full 5 minute recording.

We called both of the US phone numbers Coinbase publishes for this guide. Each time, a recording said phone support is unavailable and hung up about 11 seconds in. Here's what we heard, what Coinbase's own pages say about scam numbers, and the recording.

We called Instacart's customer support line with general questions for this guide. Two key presses got us to a live agent 24 seconds in. Here's the phone tree, what the agent said about hours, refunds for missing items and cancelling Instacart+, and the full 5 minute recording.

Lyft doesn't publish a general customer service number. We called the two phone numbers Lyft's own website lists, and both played the same 29 second recording sending us to the app, then hung up. Here's what it says, what Lyft's help pages say instead, and both recordings.

Uber says it doesn't offer a customer service number for riders, but its help center does list a premium support line. We called it and a second rider line on Uber's site. Neither got us to a person. Here's what each one says, what Uber's help pages say instead, and the recording.