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Disputes
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Unauthorized Charges
Disputes
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What do I do if I dispute a charge on my credit card account?
You must notify the bank in writing,enable the bank to identify your name and account number,state why you believe there is a billing error,include the type, date, and amount of the error(s), andsend the notice […]
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Can the bank apply late fees and interest while my billing dispute is being investigated?
Generally, while your written billing error dispute is being investigated, you would not need to pay—and the bank cannot try to collect—any portion of any required payment that you believe is related to the disputed amount. […]
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How long can the bank take to resolve a billing error dispute on my credit card account?
Generally, the bank must mail or deliver written acknowledgement to you within 30 days of receiving your written billing error notice. If the bank determines that a billing error has occurred, it shall resolve it within […]
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I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit reporting agencies. Can it do this?
If you have filed a billing error dispute, the bank cannot make (or threaten to make) an adverse report about your credit standing, or report that a disputed amount—or related finance or other charges—is delinquent to any […]
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Unauthorized Charges
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What should I do if there are unauthorized charges on my credit card account?
Contact your bank right away. To limit your liability, it is important to notify the bank promptly upon discovering any unauthorized charge(s). You may notify the bank in person, by telephone, or in writing. The bank should […]
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What is an unauthorized charge on my credit card account?
"Unauthorized use" is when someone other than the cardholder or a person that has the actual, implied or apparent authority uses a credit card and the cardholder receives no benefit from the use. If you authorized a […]
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