If the card issuer determines that a billing error occurred as claimed, then it must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you. Searches are limited to 50 characters.
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Credit cards provide important protections to consumers, one of which is the ability to file a credit card dispute. Disputing credit card charges means you disagree with a charge on your card and want the creditor to help you remove that charge so you no longer owe the money.
Typically, cardholders can dispute charges they didn't make -- so if someone steals your card or uses your card number to make a purchase without your permission, you would not be responsible for paying for the purchase. In certain cases, cardholders can also dispute purchases they made, such as when merchants provide unsatisfactory goods or services or fail to provide promised goods or services.
The Fair Credit Billing Act protects your right to dispute charges under these circumstances. Disputing charges can save you a fortune if you were the victim of fraud or if a merchant fails to live up to expectations, but there are rules you need to follow and steps you need to take. In this guide, we cover how to dispute a credit card charge,and what you need to know so you're prepared when a charge you disagree with shows up on your bill.
The dispute process varies depending on the credit card company, but with most, there are two convenient ways to dispute a credit card charge:. Your credit card company may ask for documentation supporting your dispute right away, or it may wait for the merchant's response before requesting evidence from you.
If you can, gather evidence first so you have it ready should you need it, especially when your dispute is related to issues with a product or service. Note that if the dispute is due to an issue with a purchase you made, then you must contact the merchant first and try to resolve the matter. The law for consumer rights with credit card disputes, known as the Fair Credit Billing Act, states that consumers must make a good-faith effort to handle purchase problems with the merchant before filing a dispute.
Your credit card company will likely remove the charge from your statement during the dispute process. You won't need to pay it until a decision is reached regarding the dispute, and if you win, you won't need to pay it at all. You normally have 60 days from the date a charge appears on your credit card statement to dispute it. This time limit is established by the Fair Credit Billing Act, and it applies whether you're disputing a fraudulent charge or a purchase that didn't turn out as expected.
To confirm how much time you have to dispute a charge on your credit card, check your cardmember agreement. You should have received this in the mail after opening a credit card , but it's also typically available online.
Information on dispute time limits should be in the billing rights section. If you don't start your dispute within the allotted time frame, you may be stuck paying that money. That's one reason you should read your credit card statement every month and check for unauthorized charges.
While there are many possible reasons to dispute a credit card charge, they all fall into one of three categories: the charge was unauthorized, there was a billing error, or there was a problem with the purchase.
Let's take a closer look at each category and go over a few examples. If someone uses your credit card for a purchase that you didn't authorize, that's fraud. Most credit cards go above and beyond with zero-liability policies, which state that cardholders aren't liable to pay anything in cases of unauthorized credit card use. You can protect yourself from credit card fraud by notifying your card issuer immediately if your card is lost or stolen.
But if an unauthorized charge occurs before you do this, then you can dispute it. Unauthorized charges can also occur while your card is still in your possession if a criminal gets hold of the card information but not the card itself. You can dispute these types of charges, as well. A billing error is any charge that a merchant made by mistake.
The most common examples are multiple charges for one purchase or a charge for a subscription service after you've canceled. If you can't get a merchant to refund a billing error, then you can dispute it. When you have an issue with a product or service you've purchased, a dispute could help you get your money back. Disputing a credit card charge is an important way to protect yourself from fraud and from unfair or inaccurate information on your credit report. To help ensure you notice errors, regularly monitor your accounts.
And if you do find suspicious activity, follow up to resolve it as soon as possible. Don't Apply Blindly Apply for credit cards confidently with personalized offers based on your credit profile. The purpose of this question submission tool is to provide general education on credit reporting.
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If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it.
Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address. To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided.
If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April at AnnualCreditReport. Learn more. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues.
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