Posted on April 6, 2010 at 1:05 am credit card dispute rules tips please, thanks!

Posted on April 6, 2010 at 3:23 am credit card dispute rules tips please, thanks!- which stage of the dispute (process)are you in now?

Posted on April 6, 2010 at 3:49 am Another relevant question with regards to credit card dispute rules - what are the usual reasons why a consumer disputes? And where should  he/she go for it (run to for help)?

Posted on April 6, 2010 at 4:46 am Another relevant question with regards to credit card dispute rules - what are the usual reasons why a consumer disputes? -Were you  billed for merchandise you returned or never received? -Have you been charged  twice for the same item or failed to credit a payment to your account?

Posted on April 6, 2010 at 6:09 am And where should  he/she go for it (run to for help)? --the Fair Credit Billing Act (FCBA).

Posted on April 6, 2010 at 6:11 am Oh that's the law bah bah, you meant the FTC : And here are the details:: The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Posted on April 6, 2010 at 6:21 am Credit card dispute rules - what are your billing rights?

Posted on April 6, 2010 at 6:28 am Businesses that offer "open end" credit also must:--give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors;--provide a statement for each billing period in which you owe - or they owe you - more than one dollar;--send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges;--credit all payments to your account on the date they're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date; and--promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than one dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months.http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm

Posted on April 6, 2010 at 6:30 am Credit card dispute rules -- related to this is the question, "if the consumer can't do this by himself/herself, is there professional help available?"

Posted on April 6, 2010 at 6:33 am Can't do what? Disputing a debt with a credit bureau or challenging a debt with a debt collection agency? There's professional help with both..but the the first one can be done d.i.y. and the other ...I might be biased, but it's better to be represented by a professional negotiator when it comes to collection agencies.