Where ComplaintCA Fits
ComplaintCA helps draft the merchant message and the consumer protection complaint if a chargeback isn't available or doesn't resolve things, and Asya can tell you which route fits your specific payment method.
Frequently Asked
What is a chargeback?
A reversal of a credit card charge requested through your card issuer, used when goods never arrived or weren't as described.
How long do I have to file a chargeback?
Often 90–120 days from the transaction, depending on your card network and issuer — don't wait to find out.
Does debit have chargeback protection too?
Interac Debit doesn't have the same formal system. Contact the merchant, your provincial consumer office, or consider small claims for larger amounts.
Should I contact the merchant or my bank first?
The merchant first, in writing — most issuers require proof you tried to resolve it directly.
What if it's a scam, not just a bad experience?
Also report it to the Canadian Anti-Fraud Centre at 1-888-495-8501, in addition to requesting a chargeback. See ComplaintCA's guide on how to report a scam or fraud in Canada for the complete reporting order.
What is ComplaintCA?
A Canadian civic platform that drafts complaints and chargeback requests with AI in 7 languages and identifies the right provincial office for unresolved disputes.
I'm Deaf or hard of hearing — how do I call a phone-only authority?
Use Canada VRS (free sign-language video relay, available 24/7) or dial 711 for a text-based relay operator — both let you place a real phone call to any number listed on this page.
Sources & Verification
This guide is maintained by ComplaintCA and checked against the official sources linked throughout, including:
Learn more about how ComplaintCA verifies information on our About page.
Related Guides
