How to file a dispute
To initiate the dispute process, simply click here.
What type of transactions can I dispute?
You can dispute most transactions on your Atlas card.
Transactions that cannot be disputed:
Bill payments made through Atlas
Payments made to Atlas directly
Monthly or annual membership fees
⚠️ Important: We’re unable to file disputes more than 90 days after the transaction date.
What happens after you file a dispute?
Disputes may take 45–90 days to resolve
If we can’t complete the review within 10 business days (or 20 for new accounts), we may issue a temporary credit
You’ll receive an email with our final decision once the review is done
Can you fix a charge faster?
Yes—contacting the merchant directly is often the fastest option.
Try searching for the merchant’s name online + “dispute charge” for instructions
If they cancel or refund the transaction, it typically takes 5–7 business days to reflect on your account
FAQs
Q: Can I cancel a dispute once I file it?
A: Yes—just message Support through the app for help.
Q: Can I dispute my membership fee?
A: No—membership fees are not eligible for dispute.
Q: Can I dispute a pending charge?
A: Not yet—pending charges must be posted to your account first. Once the transaction settles, you’ll be able to file a dispute.