Errors are inevitable. When they do happen, knowing how to solve them can save you money and time. Follow these five steps to dispute incorrect charges or commissions.
The only way to find errors is to review the charges and commissions with care. Compare your initial balance with the previous month's bill. Also look for anything unknown, such as "complementary," or optional products, that have charges.
This number is on your monthly bill or on the back of your card. Explain what is wrong with your bill. The credit card company should listen to you and examine the problem.
Send a written notification to the credit card company as soon as possible to protect your legal rights. Your bill contains instructions on how and where to send this notice.
Credit card companies cannot:
You do not have to pay commissions or charges in dispute or collections related to finance or other charges, while the credit card company investigates your dispute, but you are still responsible for timely payment of the correct charges.
Once you signal an error on your bill, the credit card company has 30 days to inform you that it received your letter. It takes another two billing cycles to finish examining your dispute. You can see the disputed charge on your bill during this time. If so, you should also see a note that says you do not have to pay the charge until the investigation is over.
The address for disputes may be different from the address to which you send your payments. Be sure to include:
Send your notification in writing no later than 60 days after the company sends the statement where the error first appeared. Keep a copy of your letter as proof that you wrote to the credit card company.