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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.
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 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.
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.
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.
Correction of billing errors.
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.