Every month, you look at your credit card bill and nine times out of ten, it looks pretty normal. However, there are times you notice a charge on the bill and you are not certain of what it is. After checking receipts and back tracking through your memory, you realize you did not purchase a surfboard in Hawaii. First off, you never went to Hawaii and second, you do not even live close to an area where a surfboard can be used. In this case, what you are going to do is called “disputing the charge.”
Each credit card company handles the procedure differently, and the times vary on how soon do you need to call the people in order to remove the charge. Most places will give you up to sixty days to dispute the charges. Regardless, there will be a lot of things you need to do. First, make note of exactly what you want to dispute. Keeping every receipt is a very good idea, since you can show evidence of the items that were bought. If your card was used overseas without your knowledge, showing a passport saying you never went here is also a good idea. Most of the times, you will need to mail the receipts and other evidence to a specific office that is connected with your credit card company. Always get the letter certified, so you will know the company received everything. An unauthorized charge isn’t going to be the only reason to even dispute a credit card bill. Other items that can be disputed on a bill can be the following; for goods or services that either have not be rendered or you refuse to accept or payments that you have made but was not reflected on the statement.
The last issue you can discuss about a credit card charge is just simple mathematical errors. Now that you have filed the dispute, there are a few options that you can legally do. The amount that is not disputed, it is wise to go ahead and pay that amount. However, you can legally withhold the amount hat is disputed and also any interest that was added in error. On the credit card company side, they must respond within thirty days and within either ninety days or two billing cycles, they must investigate the entire issue. They have the options to accept or deny your claim. If your claim is denied, each state has different legal avenues you can pursue.
