New Mexico Inquiry of Credit Cardholder Concerning Billing Error
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How to fill out Inquiry Of Credit Cardholder Concerning Billing Error?
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FAQ
To correct a mistake on a credit card bill, start by reviewing the bill thoroughly to pinpoint the error. Then, gather any supporting documents that clarify the issue. Finally, reach out to your credit card issuer to initiate a New Mexico Inquiry of Credit Cardholder Concerning Billing Error, where you can provide your evidence and seek a resolution.
Before you get yourself involved in a lengthy formal dispute, speak with the merchant. Bring your receipt and credit card statement, and take the time to explain the discrepancy. The merchant may clear up the mistake without having to involve the credit card company. If not, take your complaint to the next level.
Federal law only protects cardholders for a limited time 60 days to be exact after a fraudulent or incorrect charge has been made. Thankfully I noticed the billing error within a few days of it posting to my account and started the dispute process right away.
If the creditor has failed to send a periodic statement, the 60-day period runs from the time the statement should have been sent. Once the statement is provided, the consumer has another 60 days to assert any billing errors reflected on it.
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.
To take advantage of the law's consumer protections, you must: write to the creditor at the address given for "billing inquiries," not the address for sending your payments, and include your name, address, account number, and a description of the billing error.
The federal Fair Credit Billing Act applies to credit cards and billing errors associated with credit cards. A billing error can be anything that is incorrect or inaccurate about your account.
Section 1026.13(c)(2) requires creditors to investigate the dispute, correct any errors found, and notify the consumer of the outcome no later than two complete billing cycles or 90 days after receiving the billing error notice.
A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in § 1026.13(c)(2).
Billing error is the incorrect billing of an account due to an error by CPAU or the Customer, which results in incorrect charges to the Customer.
