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A Window of Opportunity for the Informed Consumer
Credit Billing Disputes
The Fair Credit Billing Act
applies to problems with credit card and charge
accounts and overdraft checking such as:
billing errors;
unauthorized use of your account;
goods or services charged to your account but not received or not provided
as promised; and
charges for which you request an explanation or written proof of purchase.
To dispute an amount, request proof of purchase, or complain regarding goods or
services received:
Write to the creditor or card issuer within 60 days after the first bill
containing the disputed charge is mailed to you. (Even if more than 60 days have
passed since you were billed for the item, you still may be able to dispute the
charge if you only recently found out about the problem.)
Send your letter to the address provided on the bill. Do not send the
letter with your payment.
Be specific. In your letter, give your name and account number, the date and
amount of the charge disputed, and a complete explanation of why you are
disputing the charge Send your letter by certified mail, with a return receipt
requested, if you want to be sure its received.
If you follow these requirements, the creditor or card issuer must
acknowledge your letter in writing within 30 days after it is received and
conduct an investigation within 90 days.
While the bill is being investigated, you need not pay the amount in
dispute. The creditor or card issuer may not take action to collect the
disputed amount, including reporting the amount as delinquent, and may not close
or restrict your account.
If there was an error, the creditor or card issuer must credit your account
and remove any finance charges or late fees relating to the amount not owed.
For any amount still owed, you have the right to an explanation and copies of
documents proving you owe the money.
If the bill is correct, you must be told in writing what you owe and why.
You will owe the amount disputed plus any finance charges.
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____________________________________________ Table of Contents Your Rights:
Debt Collection Lost
and Stolen Debit/ Negative Information on Credit Reports Source: General Services Administration
Fair and Accurate Credit Transactions Act of 2003 Source: Whitehouse Press Release
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