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Before you get yourself involved in a lengthy formal dispute, speak with the merchant. Bring your receipt and credit card statement, and take the time to explain the discrepancy. The merchant may clear up the mistake without having to involve the credit card company. If not, take your complaint to the next level.
If you have an issue with your credit card or bank account, report it to the Consumer Financial Protection Bureau. Go to consumerfinance.gov/complaint or call (855) 411-CFPB (2372).
If you believe an error has been made on your credit card bill, you should send your credit card company a written letter within 60 days of the charge appearing on your billing statement. The letter should include information that identifies yourself and what you are disputing.
Section 1026.13(c)(2) requires creditors to investigate the dispute, correct any errors found, and notify the consumer of the outcome no later than two complete billing cycles or 90 days after receiving the billing error notice.
How to Dispute a Billing ErrorRespond quickly. You have 60 days from the time the billing statement is sent to request a correction, so act quickly.Your request needs to be in writing.Then you wait.Don't withhold payment!Cover yourself.
Federal law only protects cardholders for a limited time 60 days to be exact after a fraudulent or incorrect charge has been made. Thankfully I noticed the billing error within a few days of it posting to my account and started the dispute process right away.
How to Dispute a Billing ErrorRespond quickly. You have 60 days from the time the billing statement is sent to request a correction, so act quickly.Your request needs to be in writing.Then you wait.Don't withhold payment!Cover yourself.25-Oct-2015
The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles (but not more than 90 days) after getting your letter.
Generally, the bank must mail or deliver written acknowledgement to you within 30 days of receiving your written billing error notice. If the bank determines that a billing error has occurred, it shall resolve it within two complete billing cyclesbut no later than 90 days after receiving a billing error notice.
If you believe an error has been made on your credit card bill, you should send your credit card company a written letter within 60 days of the charge appearing on your billing statement. The letter should include information that identifies yourself and what you are disputing.