Kansas Credit Card Holder's Inquiry Concerning Billing Error
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How to fill out Credit Card Holder's Inquiry Concerning Billing Error?
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FAQ
The FCBA requires the creditor to acknowledge a dispute letter within 30 days of receiving it or correct the error as the consumer requests. And the creditor must investigate and resolve the dispute within two complete billing cycles?but no more than 90 days?of receiving the letter.
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.
Consumer Rights Under the FCBA Send your dispute by certified mail and request a return receipt. Keep a copy of everything you send. The Federal Trade Commission created a form letter to help you file your dispute.
Key Takeaways. The Fair Credit Billing Act (FCBA) provides consumers with protection against unfair billing practices. The FCBA applies only to open-end credit, such as credit cards and lines of credit. It does not apply to loans like auto loans or mortgages.
Fair Credit Billing Act | Federal Trade Commission.
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.
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.
In the case of a billing error where the obligor alleges that the creditor's billing statement reflects goods not delivered to the obligor or his designee in ance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such ...
