Credit Key
CREDIT KEY · ACCOUNT SERVICES

Dispute a Purchase

We’re sorry to hear you’re having an issue with your order. In most cases, the fastest way to resolve problems such as returns, cancellations, missing items, or damaged products is to contact the merchant directly. They’re the experts on their own policies and can start the process right away.

If you haven’t received your item

Please reach out to the merchant where you placed the order. They’ll have the most up-to-date information on processing, shipping, cancellations, and refunds.

Refunds FAQs 

  • Refunds start with your merchant - Contact them directly to authorize or confirm a refund. They may either process the refund directly to your Credit Key loan or send confirmation to Credit Key so we can apply it.

  • Processing takes time - Merchants may take a couple weeks to finalize a return or cancellation before Credit Key can update your account.

  • Account updates - Once Credit Key receives confirmation from the merchant, it may take 3–5 business days for your loan balance or status to update.

  • Keep making payments - Continue paying on schedule to avoid late fees. Any overpayments will be refunded once the return is complete.

For full details, see our Refunds Guide.

Dispute Form

Still unable to resolve your issue?

Submit the form below so we can review the situation and help you move forward. While we cannot guarantee a refund or resolution, we will reach out to the merchant on your behalf.

Your Information

Your Full Name *

Customer Name 2
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Your Company Name *

Customer Business Name 2
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Your Email *

Your Email 2
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Your Phone Number *

Your Phone Number
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Order Information

Merchant name

Vendor Company Name
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Credit Key Order ID *

Credit Key Order ID
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Dispute Amount

Source choices: Partial Amount · Full Amount

Dollar Amount (if partial)

Partial disputed amount
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Supporting Details

Have you already contacted the merchant?

Source choices: Yes · No

If yes, please provide a brief summary of the merchant’s response.

Merchant respnse
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Additional Information
(Please provide as much detail as possible, such as: order invoice, statement, tracking number, cancellation/return date, shipping info, merchant confirmation, or communication history.)

Additional info
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Upload Files
(Attach receipts, invoices, tracking proof, or merchant communications — PDF, JPG, PNG)

Upload File · Max file size 10MB.
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Submit (unavailable in preview)

Important Notes

Credit Key Anywhere orders: We cannot accept disputes for these purchases. Any issues must be resolved directly with the merchant. For more information, please visit the Credit Key Anywhere Guide.

‍Credit Key Card disputes: These are submitted to our card payment processor for review. Please note the final decision rests with the processor, not Credit Key.
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