how to dispute a charge

Question

Disputing a credit card charge can be done if you believe there's an error or unauthorized transaction.

Answer 1

Here's a general guideline:

1. Contact the Merchant First (Optional): It might be faster to resolve the issue directly with the merchant. You can find their contact details on your receipt or billing statement.

2. Contact Your Card Issuer: There are several ways to dispute the charge with your card issuer:

   • Call customer service using the number on your card or statement.
   • Dispute it online through your issuer's website or app (if available).
   • Send a written notice (letter) if your issuer offers this option.

3. Gather Information: Before contacting your issuer, have details ready like:

   • The transaction date and amount.
   • A description of the transaction.
   • Why you're disputing the charge (e.g., unauthorized purchase, service not received).
   • Any supporting documents (receipts, emails).

4. Time Limits: Act quickly! The Fair Credit Billing Act (FCBA) gives you at least 60 days from your billing statement date to dispute unauthorized charges. Some issuers allow more time for billing errors or service issues.

Remember, while you dispute the charge, you generally don't have to pay it. The FCBA allows you to withhold payment for the disputed amount until the issue is resolved (usually within 90 days).

For specific details and instructions, it's wise to refer to your credit card issuer's website or contact them directly.