Merge pull request #28755 from Expensify/joekaufmanexpensify-patch-1

Adding Expensify Card dispute help site article

docs/articles/expensify-classic/expensify-card/File-A-Dispute.md

@@ -1,5 +1,61 @@
 ---
-title: File a Dispute
-description: File a Dispute
+title: Expensify Card - Transaction Disputes & Fraud
+description: Learn how to dispute an Expensify Card transaction. 
 ---
-## Resource Coming Soon!
+# Overview
+When using your Expensify Card, you may come across transaction errors, which can include things like:
+- Unrecognized, unauthorized, or fraudulent charges.
+- Transactions of an incorrect amount.
+- Duplicate charges for a single transaction.
+- Missing a promised merchant refund.
+
+You’ll find all the relevant information on handling these below.
+
+# How to Navigate the Dispute Process
+## Disputing a Transaction
+
+If you spot an Expensify Card transaction error, please contact us immediately at [[email protected]](mailto:[email protected]). After that, we'll ask a few questions to better understand the situation. If the transaction has already settled in your account (no longer pending), we can file a dispute with our card processor on your behalf.
+
+If you suspect fraud on your Expensify Card, don't hesitate to cancel it by heading to Settings > Account > Credit Card Import > Request A New Card. Better safe than sorry!
+
+Lastly, if you haven’t enabled Two-Factor Authentication (2FA) yet, please do so ASAP to add an additional layer of security to your account.
+
+## Types of Disputes
+
+There are two main dispute types:
+
+1. Unauthorized charges/fraud disputes, which include:
+   - Charges made with your card after it was lost or stolen.
+   - Unauthorized charges while your card is still in your possession (indicating compromised card information).
+   - Continued charges for a canceled recurring subscription.
+
+2. Service disputes, which include:
+   - Received damaged or defective merchandise.
+   - Charged for merchandise but never received it.
+   - Double-charged for a purchase made with another method (e.g., cash).
+   - Made a return but didn't receive a timely refund.
+   - Multiple charges for a single transaction.
+   - Charges settled for an incorrect amount.
+
+You don't need to categorize your dispute; we'll handle that. However, this may help you assess if a situation warrants a dispute. In most cases, the initial step for resolving a dispute should be contacting the merchant, as they can often address the issue promptly.
+
+## Simplifying the Dispute Process
+
+To ensure the dispute process goes smoothly, please:
+- Provide detailed information about the disputed charge, including why you're disputing it, what occurred, and any steps you've taken to address the issue.
+- If you recognize the merchant but not the charge, and you've transacted with them before, contact the merchant directly, as it may be a non-fraudulent error.
+- Include supporting documentation like receipts or cancellation confirmations when submitting your dispute to enhance the likelihood of a favorable resolution.
+
+# FAQ
+
+## **How am I protected from fraud using the Expensify Card?**
+Real-time push notifications alert you of every card charge upfront, helping identify potential issues immediately. Expensify also leverages sophisticated algorithms to detect and/or block unusual card activity.
+
+Expensify cardholders can dispute suspicious transactions directly via Concierge, either within the Expensify app or by emailing [[email protected]](mailto:[email protected]). Cardholders can also cancel their Expensify Card anytime within our platform.
+
+## **How long does the dispute process take?**
+The dispute process can take a few days to a few months. It depends on the type of dispute.
+
+## **Can I cancel a dispute?**
+Contact Concierge if you've filed a dispute and want to cancel it. You might do this if you recognize a previously reported unauthorized charge or if the merchant has already resolved the issue.
+