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Credit Card Dispute Process

Posted on April 6, 2010 at 8:19 pm
Hi, a walk through the credit card dispute processplease?
Posted on April 6, 2010 at 8:27 pm
credit card dispute process - what is your case? unauthorized charges, fraudulent charges, amount errors, billing mistakes ..?

1casio Rep Points:
Posted on April 7, 2010 at 1:44 am
Hi, if you're also wondering what is the governing body for credit card dispute, you can go to the Federal Trade Commission Web site, and you'll find the cc dispute process there as well.

Good To Me Rep Points:
Posted on April 7, 2010 at 3:31 am
Credit card dispute process - what are covered by the Federal Trade Commission (?) - The FCBA (Fair Credit Billing Act) settlement procedures apply only to disputes about "billing errors." For example:-unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50;--charges that list the wrong date or amount;--charges for goods and services you didn't accept or weren't delivered as agreed;--math errors;--failure to post payments and other credits, such as returns;--failure to send bills to your current address - provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and--charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.
Posted on April 7, 2010 at 3:48 am
Right, and according to the FTC site -- the credit card dispute process -- Send your letter by certified mail, return receipt requested, so you have proof of what the creditor received. Include copies (not originals) of sales slips or other documents that support your position. Keep a copy of your dispute letter. The creditor must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles (but not more than 90 days) after receiving your letter.
Posted on April 7, 2010 at 3:51 am
Thanks, how would this affect my ability to get new credit in the future? Would this appear on my report at all? And what if my creditors fail to respond in a timely manner?

everyday Rep Points:
Posted on April 7, 2010 at 6:04 am
credit card dispute process - Q and A - Hi there, you might want to read this FTC article

debtreliefnw Rep Points:
Posted on May 19, 2010 at 3:17 am
I thought you might want to take a look at here.