The amount and date of the disputed charge, the name of the seller, and a description of what the charge is for.Send the letter by certified mail or priority with tracking, and keep a copy of the letter and receipt. You can find this address on your bill or by calling the credit card company. Send the letter to your credit card company’s address for billing inquiries or errors, not the regular address for payments. You can also call to dispute a charge, but to get your legal protections, you must send a letter within 60 days of the issuance date of the first bill that shows the disputed charge. Send your dispute to your credit card company in writing. Bills that have calculation errors or that didn’t credit a payment or return that you made.Charges that you don’t recognize and want more information about and.Charges for goods and services that you ordered but did not receive or accept.Read below for more on how to dispute a billing error or assert claims and defenses. If it resolves it in your favor, it will remove or fix the charge. Your credit card company will investigate the dispute. To dispute a charge, send a letter to your credit card company’s address for billing inquiries or errors. You have not already paid the full amount of the disputed charge-if you already paid the credit card company, you cannot get a refund. You already made a good-faith effort to fix the issue with the seller and.The seller is in the same state as you or within 100 miles of your billing address (this requirement may not apply if you bought the item online or by phone).You can assert claims and defenses only if all the following are true: Claims and Defenses: You can assert claims and defenses up to one year after the date your bill was issued.Some credit cards give you more time, but make sure you dispute the error as soon as possible. Billing Errors: You can dispute a billing error up to 60 days after the date your bill was issued.There are two ways to dispute a charge with your credit card company: For example, you can dispute a charge that you did not authorize, that is for the wrong amount, or that is for something that the seller didn’t provide as agreed upon. But what can you do if unauthorized or incorrect charges show up on your bill or if there’s something wrong with what you bought? You can contact the seller directly to try to fix the issue, or you can “dispute the charge” with the company that issued your credit card. Using credit cards can make our lives easier.
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