Stopped fighting with the bank's app and started texting instead

I was stuck on hold for 45 minutes trying to dispute a $78 charge that posted twice. Tried the chat feature in the app and it kept timing out. Has anyone else had better luck using the bank's SMS number for simple issues like this?

2 comments

2 Comments

jackson.jenny26d ago

45 minutes on hold? That's brutal, I feel your pain.

tara70026d ago

Texting saved my sanity with this exact issue. Most banks have a dedicated SMS number that's way faster than calling or the app chat. You just text them your dispute request and account details, and they respond when they can process it. I had a double charge last month and had the refund confirmation within 30 minutes of sending my initial text. The trick is to keep your text short and include the transaction amount, date, and merchant name right away. Make sure you save their SMS number as a contact too because sometimes they'll text you back for verification.