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How to Dispute Billing Errors Write to the issuer. ... Send your letter so that it reaches the issuer within 60 days after the first bill with the error was sent to you. ... Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.
The Fair Credit Billing Act is designed to protect consumers from unfair billing practices. The act provides a path for consumers to dispute billing errors or unauthorized charges and requires that credit issuers investigate and resolve them.
Correction of billing errors.
Final stretch: waiting for a response You creditor is required to respond within 30 days of your complaint, and the dispute must be resolved within 90 days, or two billing cycles. In the meantime, you don't have to pay for the purchase in question, you must only pay for everything else on your statement.
Send your letter so that it reaches the issuer within 60 days after the first bill with the error was sent to you. If you send your letter certified mail and ask for a return receipt, that gives you proof of what the issuer got.
A creditor must conduct a reasonable investigation before it determines that no billing error occurred or that a different billing error occurred from that asserted. In conducting its investigation of an allegation of a billing error, the creditor may reasonably request the consumer's cooperation.