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How to Dispute a Billing Error on Your Credit Card?

The Federal Fair Credit Billing Act covers billing errors. Examples of billing error are

  • A charge for something you didn’t buy
  • A bill for an amount different from the actual amount you charged
  • A charge for something that you did not accept when it was delivered
  • A charge for something that was not delivered according to agreement
  • Math errors
  • Payments not credited to your account
  • A charge by someone who does not have permission to use your credit card

If you think your credit card bill has an error, take the following steps:

  1. Write to the credit card company within 60 days after the statement date on the bill with the error. Use the address for “billing inquiries” listed on the bill. Tell the company

    • Your name and account number
    • That you believe the bill contains an error, and why you believe it’s wrong
    • The date and amount of the error (the “disputed amount”)
  2. Pay all the other parts of the bill. You do not have to pay the “disputed amount” or any minimum payments or finance charges that apply to it.

If there is an error, you will not have to pay any finance charges on the disputed amount. Your account must be corrected.

If there is no error, the credit card company must send you an explanation and a statement of the amount you owe. The amount will include any finance charges or other charges that accumulated while you were questioning the bill.