You can dispute any charge to your credit card, within reason. Once you file a dispute, the bank may freeze your card while it investigates the matter. The investigation will include contacting the subscription service provider to verify your account and whether you authorized the charge. If the charge is found to be fraudulent, the bank will refund you the amount charged to your card. If the issuer finds you liable for the charge, it will simply let the charge remain, and, in some instances, close your account for fraudulently filing a dispute. Fraud isn’t the only reason to dispute a charge. You may also file a dispute if the merchandise you received was defective, you see billing errors, or if you never received the item at all. Banks often refer to filing a dispute over a charge you know is legitimate as “friendly fraud.” The practice costs card issuers billions in refunds and investigation expenses each year. Before you call your credit card issuer to file a dispute, you should first understand what you can and cannot dispute. By researching your options, you can not only improve your financial know-how but also minimize your chances of unknowingly committing friendly fraud.