Disputing a credit card charge with Chase can be tricky, even if you know the law.  (We know the law).  Chase gets a lot of credit card disputes.  Under the law, if a dispute is made timely, it must investigate it and get the merchant’s side of the story.  Hence, Chase and its lawyers do whatever they can to avoid having to investigate every dispute.

If you have a dispute to a Chase credit card, here are my top tips:

Make your dispute timely.

You only have 60 days within which to make your dispute starting from the date that the charge appears on your credit card statement.  If you miss that 60 days window, then you cannot sue Chase if it rules against you.   Your only recourse is against the merchant.  Because online merchants can be located anywhere in the world, its far less likely that you will sue the merchant.  So be timely with your dispute.

Make your dispute in writing even if you call the bank.

Under the law, your dispute must be in writing.  Most banks allow and even encourage you to make your credit card dispute over the phone.  The problem is that if the bank subsequently rules against you, (and there is a good chance that it will), you cannot sue the bank.  You want to be able to sue the bank because this is the easiest way to fix your credit card account.

Be sure to get an acknowledgment of your credit card dispute from Chase.

It should come by email, sometimes by U.S. mail.  However, if you are tech saavy, you should immediately get this acknowledgment by email.  The law requires Chase to send you that acknowledgement.  Its your proof that the bank received it.

File your lawsuit within 1 year if and when Chase rules against you.

Chances are good that the bank will against you on your credit card dispute.  They are probably overwhelmed with them these days.  Again, if you miss this 1 year time limit within which to file your lawsuit, your only recourse is against the merchant.

Hire a Consumer Rights Lawyer that knows this area of the law because a lawsuit against Chase for a credit card dispute should cost you nothing out of pocket.

There is an attorney fee shifting provision under the law which means that if you victorious in your dispute, that Chase has to pay your costs and attorneys fees.    Call us at Michigan Consumer Credit Lawyers because we will not charge you any fees or costs out of pocket.  Under the Fair Credit Billing Act, you are entitled to your costs and attorney’s fees in any successful action.   The vast majority of these cases settle pretty quickly because the bank has to pay its attorneys and yours in these kinds of cases.

Don’t be surprised if Chase declines your dispute to the fraudulent charges.       Many banks decline consumers credit card disputes.  They don’t care who pays their bill so long as it gets paid.  You have a very short 1 year time period within which to sue the bank to remove the disputed charges.

You don’t have to be a victim of credit card fraud.

Under the law, you can hire a law firm to handle this matter for you at no out

of pocket charge to you.  A Consumer Rights law firm such as ours, will help you at no out pocket charge to you.  This way, it does not matter how small the dispute is, we can help you.  If you do nothing in response to the bank declining your dispute, you will be responsible for paying these fraudulent charges.  That is just not fair.  You can choose to not be a victim of fraudulent credit card charges as soon as you call us.

 Our help costs you nothing out of pocket

If you have fraudulent charges on your credit card statement, visit us Michigan Consumer Credit Lawyers for more information  We have been helping consumers with credit issues since 2008.  Call us at (248) 353-2882 or email us at [email protected] when you are ready to fight back.  We are happy to help you through the maze of disputing your credit card issues all at no out of pocket charge to you.   Contact us today for your free, no obligation consultation.

Attorney Gary Nitzkin

Licensed in Michigan onlyl