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Were you charged without your permission, more than you agreed to pay, or for things you didn’t buy? There are many reasons why you might need to dispute charges to your credit or debit card. Here’s what to do and a sample letter to help get your money back.
For example, you can dispute. Unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50. But unauthorized charges might be a sign of identity theft. Go to IdentityTheft.gov to learn what to do right away if you suspect identity theft. Charges for things you bought, but. have the wrong date, amount, or a math ...
Send a dispute letter to your credit card issuer at the address listed for billing disputes, errors, or inquiries — not the address for sending your payments. Look on your statement, online, or your credit card agreement to get the right address.
Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected.
Follow up immediately in writing. Send a letter to the address used for billing disputes (credit cards) or errors (debit cards). Confirm that you reported the fraudulent charge or withdrawal. Include the date and time when you noticed your card was missing, and when you first reported the loss.
Use this sample letter to dispute mistakes with businesses that reported the inaccurate or incomplete information. The letter should say you’re disputing errors and should include: your complete name and address; each bit of inaccurate information that you want fixed, and why; and copies (not originals) of documents that support your request.
Use this sample letter to dispute mistakes on your credit report. Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected.
Tell your bank or credit card company immediately if you see a check or charge you don’t recognize. If the unauthorized charge is part of a scam, telling your bank and the FTC might help stop the scammers.
Law 107-56), the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) (Public Law 108-159), Section 719 of the Financial Services Regulatory ... Unauthorized disclosures by officers or employees [15 U.S.C. § 1681r]... 71 § 621. Administrative enforcement [15 U.S.C. § 1681s] ..... 72 § 622. Information on overdue child support ...
If you haven’t set up an account with your credit or debit card company, check out the company’s website to find out how to file a dispute. By phone: Call the phone number on the back of your card, and tell the company why you’re filing a dispute. Follow up with a letter to your credit or debit card company.