What are the steps to disputing an item on my credit card bill?
Send a dispute to the credit card company immediately.
Send a copy of your credit card statement that contains the offending charge and identify it in your letter clearly. You must send that dispute within 60 days of the date that you receive the statement that contains the incorrect charge on it. In your letter, be very particular about your dispute. (For example, did you not order the goods or services or were they not delivered to you). Be sure to keep a copy of the dispute letter.
Make sure that the bank or credit card company sends you a written acknowledgment of the dispute.
If you do not get a written acknowledgment in 2 weeks, send the dispute letter again.
The bank has 2 billing cycles within which to investigate your dispute.
They have to contact the merchant and get their side of the story. The bank will then send you a letter stating whether it will credit your account or not. During the investigation, you do not have to pay the charge nor should you be charged interest on the outstanding item. All other items that are not in dispute are due as normal.
The amount that you withhold pursuant to your dispute is not considered “delinquent” and hence, no one including the bank, credit card issuer or a third party debt collector is allowed to make efforts to collect that balance from you. If anyone attempts to collect this debt from you while your dispute is pending, you have a right to sue them for damages, plus cost and attorney’s fees. We provide these legal services at no out of pocket charge to you.
Once the bank makes its decision, you may have to file a lawsuit to get the charge removed from your account.
You have a very short 1 year statute of limitations to file that lawsuit. The lawsuits that we file are under the Fair Credit Billing Act. Under this law, we can file the lawsuit for you and represent you at no out of pocket charge to you.