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Sep 253 min read

How Do You Dispute A Credit Card Debt?

The Fair Credit Billing Act Outlines The Steps That Both Card Issuers And Consumers Should Take To Protect Themselves When Making Credit Card Purchases. In Case Of A Dispute, Speak With The Vendor First. The Next Action Is To Dispute The Charge In Writing To The Credit Card Company Within 60 Days. In The Interest Of Maintaining Positive Customer Relations, Many Card Issuers Disregard The Act's Rules, Which Restrict Disputes To Purchases Over $50 And Within 100 Miles.

How To Challenge A Credit Card Transaction


Creditors Are Increasingly Simplifying The Dispute Process. Every Business Has A Slightly Different Credit Card Dispute Procedure, And Some Might Call For More Active Participation. As You Proceed, You Should Generally Anticipate The Following:


  • Examine The Charge: You Should Conduct Some Investigation To Make Sure The Charge Is True Before Filing A Dispute. It Does Not Necessarily Follow That The Purchase Is Wrong Just Because It Looks Strange. Could It Be That You Just Forgot To Make The Purchase? Could You Check To See If You Recognize The Name Of The Vendor? Could You Check The Charge Against Any Other Documentation Or Your Receipt? Credit Card Disputes Must Be Handled Quickly, So As Soon As You Are Certain That A Charge Is Erroneous, Proceed With The Next.

  • Speak With The Vendor: Reach Out To The Merchant Next If The Charge Indicates A Mistake Or A Miscommunication With The Vendor (As Opposed To Fraud Or Identity Theft). They Might Be Open To Working With You To Resolve The Problem In Another Way, Or They Might Offer A Refund Or Credit. Just Remember To Record The Date Of Contact And The Person's Name That You Speak With. Proceed To The Next Step If The Merchant Is Unable To Assist You.

  • Speak With The Credit Card Provider: To Notify The Credit Card Issuer, Log Into Your Account Or Give Them A Call At The Number Printed On The Back Of The Card. Online Dispute Submissions Can Frequently Be Completed In Less Than A Minute. All You Have To Do Is Send In Details To Help Us Identify The Charge, Like The Transaction Date And Amount.

  •  Compile Proof And File Dispute Documents: You Might Need To Follow Up With Documentation And A Dispute Letter. The Letter Should Be Sent To The Creditor's Billing Dispute Address And Should Be Sent Via Certified Mail, According To The Federal Trade Commission (Fetch). They Advise Adding The Following Information As Well:


1.     Name And Account Number Of Yours.

2.     The Charge's Total Amount.

3.     The Charge Date.

4.     An Explanation Of The Error In The Charge.

5.   Relevant Records, Like Copies Of The Invoice Or Screen Grab From Correspondence With The Vendor.


  • Maintain Your Minimum Payment Schedule: Make Sure You Pay Your Minimum Monthly Payments Even As You're Disputing Your Credit Card. You Are Still Accountable For Managing The Remaining Amount On Your Credit Card, Even If You Are Not Held Accountable For The Disputed Cost During The Investigation. If You Fail To Make A Payment On The Card, Your Credit Score May Suffer And You May Incur Late Fees.

  • Await The Resolution (And File An Appeal If Needed): Your Credit Card Company Might Decide Not To Look Into Minor Disputes And Just Reimburse The Amount. These Refunds Are Typically Processed Right Away. However, If You Sent A Written Letter, The Creditor Has 30 Days To Mail You A Confirmation Of Receipt. The Credit Card Company Is Currently Looking Into Your Claim, According To That Confirmation. If Your Credit Card Dispute Is Rejected, Are You Unsure Of What To Do? There Might Be A Good Cause Behind The Rejection. For Instance, You May Have Agreed To A Merchant Contract Waiving Your Right To Challenge Charges Before Making The Purchase, Or You May Not Have A Qualifying Issue With The Good Or Service's Quality.


Sometimes A Merchant's Simple Mistake Results In An Incorrect Credit Card Charge, But Other Times There Are More Serious Consequences. Take Immediate Action To Protect Yourself If You Believe An Identity Thief Or Fraudster Made The Charge. You Might Need To Take Further Action In Response To Identity Theft In Addition To Notifying Your Credit Card Company, Such As Reporting The Theft To The Police And Getting In Touch With One Of The National Credit Bureaus.


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