Introducing Enterprise Net Terms from Credit Key!  Net 30 now available for all business segments—from sole proprietors to enterprise brands. Learn more ➔
Introducing Enterprise Net Terms from Credit Key! Learn more ➔

Dispute a Purchase

We're sorry to hear you're having trouble with a purchase. If you haven't done so already, please contact the merchant to try to resolve the issue with them. The merchant is usually the expert on returns, cancellations, missing orders, and damaged or defective items.

If you haven't received your item

Reach out to the merchant where you placed the order. They can give you any updates on processing, shipments, cancellation, returns, and refunds.

If you canceled an order or returned an item

If your order has not been finalized or completed yet please contact Credit Key Support

If your loan was processed and the merchant has finalized the cancellation or return, which can take up to 21 days or longer, we’ll update your account with the cancellation or loan refund, as appropriate.

Depending on how long it takes the merchant to finalize the return, and how much is refunded, we’ll either void the loan, which means you’ll no longer see it in your Credit Key account, or we’ll update your loan principal balance and payment schedule.

If you haven’t received your refund

It’s normal for a refund to take a while to be reflected in your Credit Key account.  Once we receive the refund from the merchant, which can take 21 days or longer, it can take 3–5 additional business days to update your account.

If you’re still being billed for a returned item

It’s normal to still get payment reminders while you’re waiting for a return to process. Merchants can take up to 21 days, and sometimes even longer, to process a return, so we can’t update your Credit Key account until the merchant does their part.

You should still make any payments that come due, to avoid late payments. Rest assured that when the return is fully processed, we’ll refund the entire purchase amount of the items you returned, minus any interest you’ve paid.

Still unable to resolve your issue?

Your Full Name *
Your Company Name *
Your Email *
Which merchant did you make the purchase from?
What amount are you disputing?
What dollar amount?
Credit Key Order ID
Please provide as much additional detail you can, including, potentially:

+ Your order invoice, statement, tracking number, and details
+ The date the product(s)/service(s) were canceled or returned
+ The name of shipping company, date and tracking status of returned product(s) delivered successfully to the merchant
+ Copy of dated Return/Credit transaction receipt #
+ Merchant confirmation to support cancellation or return
+ Copy of any communication history with the merchant related to the issue
Max file size 10MB.
Upload failed. Max size for files is 10 MB.
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