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FIGHTING UNFAIR CHARGES
Ways to win credit card disputes:
DO NOT DELAY: You may have just 60 days from the time you receive your credit card bill to dispute a charge. Keep close tabs on your statements and check carefully for suspicious transactions. Signing up for purchase alerts can help.
DON’T LEAPFROG THE MERCHANT: Unless its outright fraud, card issuers expect you to try to work with the seller first. Vendors have an incentive to resolve disputes by offering, say, a refund, exchange, or repair, since chargebacks can be expensive. Dealing directly with merchants is often the quickest way to get satisfaction and can help you avoid trouble later. Merchants who lose chargeback disputes may file lawsuits or use collection agencies to recover funds.
DO BE PATIENT: It might take up to 90 days or two billing cycles to get the problem resolved. In the meantime, you have the right to withhold payment of the disputed amount.
DO DOUBLE CHECK: If you don’t recognize a charge, take the time to review the details. Check your calendar to see where you were that day, call the toll-free number that may be listed with the charge or do an internet search for the named merchant. (Sometimes it will show as an abbreviation). When you dispute a charge that turns out to be legitimate, it’s called “friendly fraud” and too many false alarms could result in your credit card being terminated.
DO CALL OUR CARD ISSUER ASAP IF YOU SUSPECT FRAUD: Also, call if the merchant is unresponsive. You can check your credit card’s website or app for details and initiate the process. Most credit cards offer zero-liability policies that promise you won’t be responsible for charges you didn’t authorize.
DON’T LOSE TRACK OF PAPERWORK: Receipts, contracts, emails, invoices, online chat transcripts and other documentation can help you back up your claim and complete the charge-back process. Include backup documents in a letter to the card issuer. Read merchant contracts!