Fast Facts to know about Credit Card Disputes
- Banks typically do not need your signature to hold you liable for the credit card agreement.
- Your bank can unilaterally change the terms of its credit card agreement with you.
- You have 60 days from the date that you discover an item on your credit card statement that is incorrect to dispute it in writing. After that, you are out of luck.
- While your dispute is pending, you are not liable to pay the item or the interest associated with the disputed item.
- Disputes about the quality of goods is not a billing error.
You work hard for your money. When some charlatan charges you for a good or service and fails to deliver, it’s hard to know what to do to get your money back. We know how to dispute a charge on your credit card. As credit card lawyers, we handle disputes to get items removed from your credit card statement, easily.
If we are unable to get an improper charge removed from your credit card statement, we will file a lawsuit under the Fair Credit Billing Act. Under this statute, we make the lender to remove the charge, plus pay you damages along with attorneys’ fees and costs.
What should you put in your billing error notice to your credit card company?
Your dispute must be in writing. Oral notice is not sufficient to trigger your rights under the Fair Credit Billing Act.
- Identify yourself. Make sure your name, address, telephone number, last four digits of your Social Security number and full account number are in your letter.
- Identify the disputed item(s). The body of your letter should identify the name of the merchant and the full account number or transaction number associated with the transaction, the date of the transaction and the amount. If you want to be absolutely certain that there is no misunderstanding as to the dispute, your best bet is to include a copy of the credit card statement and circle the offending charge. You should also send it by certified mail with a return receipt requested and of course keep a copy of your letter and all attachments for your records.
- Specify the nature of your dispute. Tell your bank or credit card issuer every reason why you have to dispute the transaction. Be as specific as possible.
What if your credit card company ignores your disputes?
Call us. You have rights under the Fair Credit Billing Act. We can get you statutory damages, actual damages, costs and attorney fees. Under the law your bank or credit card company has to pay us. Do not pay a bill you don’t owe. If you have an incorrect item on your credit card statement, you should dispute it immediately. If you are still unable to get satisfaction from the credit card issuer or your bank, contact us at Credit Repair Lawyers of America. We are happy to help you.
If you discover items on your credit card statement that are inaccurate, let us dispute them for you. Call or email us at 855-956-2089 or email@example.com for a free no obligation consultation.