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Credit Card Holder's Inquiry Concerning Billing Error

Palm Beach Florida Credit Card Holder's Inquiry Concerning Billing Error

Name: Palm Beach Florida Credit Card Holder's Inquiry Concerning Billing Error
Brand: US Legal Forms
Rating: 4.7 (265 reviews)

Category:

Loans and Lending - Credit Cards

State:

Multi-State

County:

Palm Beach

Control #:

US-0238BG

Format:

Instant download

Description

On occasion you will notice that your credit card statement shows a billing error. Perhaps your were billed twice for your annual membership fee or perhaps there is a charge on your statement more than one time. Of course you want to quickly take care of

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4.7

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FAQ

Write to the creditor at the address given for "billing inquiries," not the address for sending your payments, and include your name, address, account number, and a description of the billing error. Use our sample letter.

Billing error means an error in the billing rates, billing methodology or calculation of minutes of use or data usage within an invoice.

A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in § 1026.13(c)(2).

For example, it could be a charge for a purchase you did not make, a charge by a person unauthorized to use your card, errors in the calculation of the finance charge, a charge in an amount you did not authorize, or any number of irregularities related to your purchase or use.

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.

If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

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 the lender confirms there is a billing error on your account, it must send you a written explanation of the corrections made to your account. In addition to crediting your account for the disputed amount, the lender must also remove all finance charges, late fees, or other charges related to the error.

See interpretation of 13(a) Definition of Billing Error in Supplement I. (1) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer's credit card or open-end credit plan.

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.

More info

Before you get yourself involved in a lengthy formal dispute, speak with the merchant. How do I protect my ATM and debit cards against fraud?Whom should I contact about my transport bill? Welcomes your comments on topics relating to the law, the legal profession, the Palm Beach County. Bar Association or the Bar Bulletin. Maxing out your card or missing payments can cause your credit score to drop. Transactions on supplementary Credit Card and virtual cards will also earn Cash Up and this Cash Up will accrue to the account of the primary Cardholder. Can I get fraud alerts for my Jeanne D'Arc VISA® credit card? I followed up on May 06 since I did not see any credit in the next statement. Apply for the CareCredit healthcare credit card to manage your healthcare financing needs.

Palm Beach Florida Credit Card Holder's Inquiry Concerning Billing Error

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How to fill out Palm Beach Florida Credit Card Holder's Inquiry Concerning Billing Error?

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FAQ

How do I dispute a billing error?

What is a billing error?

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What are the example for billing error?

How long do you have to notify your credit card if you suspect an error on your billing statement?

What should you do if you find a mistake on your credit card statement?

What can you do to correct billing errors?

What applies to the treatment of billing errors?

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