Once the amount is charged, how long do you have to dispute a charge? I remember someone telling me it's 60 days. Is that correct?
2006-12-17 17:12:50 · 7 answers · asked by bigd 1 in Business & Finance ➔ Credit
CHeck your terms and conditions on the bill and/or website. I recall 30 days, but it could be 60...and I think it is after the billing statement, not the charge. BUT, in any case, a phone call does not cut it. Write a paper letter and send it snail mail certified (to prove delivery). It must contain stuff like:
-Charge card number, your name, etc.
- charge in dispute, use their reference number
- copy of your receipt (or request one from them if the dispute is over false charge)
- why the charge is bogus...be specific in every way.
- request removal of the amount of money, plus the interest accrued on that amount.
-request that this incident not be reported as a fault to your future credit
I disputed once over a charge in Washington DC for tickets. I never was there. The slip was sent to me and I had to point out that the charge for a person with a different name, AND different charge number, beside the fact that I have not been to DC nor seen a play there.
The request for interest back is inportant. The dispute may be months to resolve, meanwhile interest adds on the unpaid balance and they will be happy to charge that to you if you did not request removal of the interest....and cause another dispute.
A phone call is OK too, but the paper is necessary.Keep all paper, such things end up being sent to the credit rating places too and you may have a higher interest rate because of someone elses mistake.Your paper trail may be the only proof you have of good credit.
2006-12-17 17:27:41 · answer #1 · answered by Anonymous · 1⤊ 0⤋
60 days is the figure I remember. Look on the back or bottom of your bill. It should have detailed instructions on how to dispute a charge.
2006-12-17 17:18:59 · answer #2 · answered by Uncle Pennybags 7 · 1⤊ 0⤋
Yes, it's 60 days, but from the time you discover the error.
Let's face it, if the charge appears on your January statement, and you don't call or write till next November, you cause them a great deal of work.
2006-12-17 18:38:00 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You should report it right away and you have 60 days to dispute it.
2006-12-17 17:59:27 · answer #4 · answered by Peaches 2 · 0⤊ 0⤋
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2016-09-20 04:38:28 · answer #5 · answered by ? 4 · 0⤊ 0⤋
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2016-08-23 13:05:21 · answer #6 · answered by Anonymous · 0⤊ 0⤋
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2016-08-08 21:50:11 · answer #7 · answered by ? 3 · 0⤊ 0⤋