Escalate Anything

Afterpay: dispute with a merchant through the bank

Contact the retailer and wait up to 7 calendar days, then raise one dispute per order in the app within 120 days of purchase; keep paying while it is reviewed.

ACredibility A · last verified 2026-10-13 · 100% official or government sources
What does this mean?

Grade A (high: almost everything comes from official pages read directly). 100% of 15 sources are the organization's own pages or government sites.

All Afterpay contactsOpen in the interactive directoryJSON

Collect

Steps

  1. Contact the retailer first, ask for tracking, and allow up to 7 calendar days for a reply.

  2. Raise a dispute on the order in the app or on the website.

    AppRaise a dispute on an order (for example Goods not received) Afterpay app or website > select the order > raise a dispute Sign-in required

  3. Keep making scheduled payments while the dispute is reviewed, so you are not charged late fees.

  4. If Afterpay does not resolve it, complain to the CFPB.

    RegulatorConsumer Financial Protection Bureau +1-855-411-2372

More contacts for this issue

PhoneAfterpay Customer Service +1-833-844-8095 Account holder only
AppChat with Afterpay in the mobile app (24/7) Afterpay mobile app > Start a chat Sign-in required
MailWritten notices and disputes (installment agreement notice address) Afterpay US Services, LLC, 1955 Broadway, Suite 204, Oakland, CA 94612, Attention: Legal

Facts you can cite

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

  1. Customer service

    AppChat with Afterpay in the mobile app (24/7) Afterpay mobile app > Start a chat Sign-in required

  2. Customer service

    PhoneAfterpay Customer Service +1-833-844-8095 Account holder only

  3. Written complaint

    MailWritten notices and disputes (installment agreement notice address) Afterpay US Services, LLC, 1955 Broadway, Suite 204, Oakland, CA 94612, Attention: Legal

  4. Federal regulator

    RegulatorConsumer Financial Protection Bureau +1-855-411-2372

  5. State agency

    Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

  6. Arbitration

    The installment agreement requires individual arbitration (AAA, San Francisco County) after 30 days of informal negotiation; small claims court is allowed. Opt out by written notice within 30 days of signing the agreement.

Watch out

  • Disputes and chat need the account holder's Afterpay sign-in.
  • Afterpay's U.S. help center at help.afterpay.com blocks automated access; the same articles load under afterpay.com/en-US/help.

Let your AI agent handle this

Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.

1. Set it up (needs uv):

uvx escalate-anything setup

2. Ask your agent:

A merchant did not deliver, and I paid with my Afterpay card. Use Escalate Anything to dispute the charge.

Source code, other install options and the Claude Code plugin

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