![]() ![]() ![]() ![]() Keep in mind that you can take legal action against both a merchant and your creditor, if necessary. Being familiar with the FCBA, for example, can be helpful if you’re thinking about disputing a billing error. Understanding the laws that protect consumers is imperative. Receipts, canceled checks, proof of returns and emails between you and the merchant involved may help your case if you’re trying to dispute a charge. Regardless of how you attempt to resolve your billing issue, it’s a good idea to gather any important documents. Don’t forget to request a return receipt so you know your credit card issuer got everything it was supposed to receive. If you’re required to submit a letter, it’s best to mail it via certified mail. But you may need to write to your creditor. In many cases, you can dispute a credit card charge simply by calling your credit card issuer or completing an online form. But not handling it right away may reduce your chances of winning your credit card dispute. Of course, depending on your credit card company, you may have as many as 120 days to open a credit card dispute.ĭoes that mean you shouldn’t try to dispute a charge if you’ve waited too long to address it? No. Under the FCBA, you can dispute these kinds of errors within 60 days of receiving your bill. But often, they only fully apply when you file a dispute within a specific time frame.Īccording to the Federal Trade Commission, billing errors include mathematical mistakes, charges you never authorized, incorrect charges and missing returns and credit card payments. There are laws that protect consumers with credit card issues, such as the Fair Credit Billing Act (FCBA) and the Truth in Lending Act. If you need to dispute a credit card charge and/or request a chargeback (the cancellation of a transaction and the issue of a refund by a bank instead of a retailer), you’ll need to do so as soon as possible. That’s usually the quickest way to solve your problem. If you’re dealing with a fraudulent charge, however, it’s OK reach out to your creditor first.īut what if a merchant ignores you or fails to do his part to make things right? At that point, you may need to file a complaint with your credit card issuer. If there’s a clerical error or another issue with your credit card bill, it’s best to try and resolve it with the retailer. ![]()
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