It also may help to contact the seller for problems you are having with debit or credit card charges. Include with your letter copies of any receipts, checks, or other proof of the transaction. Ask for a return receipt so you have proof that the card company got your letter. Send your letter by certified mail, if possible. The address for billing disputes usually is different from the address where you send your payments. Look on your monthly statement, the card company’s website, or your card agreement to get the right address. Send your letter to the address your card company lists for billing disputes, errors, or inquiries. You paid for the item, but the payment wasn’t posted to your account.You returned the item, but the credit wasn’t posted to your account.You were charged more than once for something.The charge is for goods or services that you didn’t accept or that weren’t delivered to you as agreed.The date or amount of the charge is wrong.Here are some possible reasons why you might believe a charge is incorrect: an explanation of why you think the charge is incorrect.
the dollar amount of the disputed charge.Remember, you must send the letter within 60 calendar days of the date that the first statement on which the disputed charge appears was sent to you. The letter is a written notice to the card company about the problem. Send a Dispute Letter to Your Card CompanyĪfter you call the card company or dispute the charge online, follow up right away with a letter disputing the charge. However, to fully protect yourself, follow up with a letter quickly. You may have to set up an online account to do that. Many card companies may let you to submit your dispute online. Keep a record of who you spoke with and when. Find the telephone number on your monthly statement or on the back of your card. Start by calling the card company’s customer service number to report the problem. To best protect your rights, review your account statements carefully every month and submit any dispute right away. Consumer protections for credit cards are stronger than protections for debit cards, but some debit card companies voluntarily offer more protections than the law requires. You must notify your credit or debit card company of any error you’re disputing within 60 days of the date that the first statement on which the charge appears was sent to you. Sample Letter for Disputing Credit or Debit Card ChargesĬontact Your Credit or Debit Card Company.Send a Dispute Letter to Your Card Company.Contact Your Credit or Debit Card Company.Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.
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