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Report Problems. If you have problems or a dispute with something on your credit card bill, contact the issuer right away so you don't run out of time to exercise your legal protections. You could also contact the seller at the same time to try to resolve the issue.
Number or file a dispute online The customer service phone number appears on your monthly bill or on the back of your card. Explain what is wrong in your bill. The credit card company should listen to what you say and look into the problem.
The "Claims and Defenses" Dispute Process Notify the company in writing by sending a letter or going online, if available, and enclose copies of supporting documents, like receipts showing the correct amount of the charge. If you decide to send a letter, be sure to send it to the address designated for this purpose.
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.
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.
The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services.
How do I correct errors? You have 60 days from the date of the statement with the billing error, to write to your credit card company. Send your letter to the address listed on your credit card statement for billing errors and inquiries. Include your name, account number, and the date and amount of the error.