Act quickly: You have 60 days from receiving the bill with the transaction to dispute the charge. While you can call, sending a written letter protects you under the Fair Credit Billing Act.

Before you dispute a charge with your credit card company, review the transaction details on your account. If you decide the charge is inaccurate, consider why you’ll be disputing the charge.

If that doesn’t work, your rights under the Fair Credit Billing Act also allow you to put in a credit card dispute with your card issuer. Sometimes, even the issuer dispute may not result in a fix.

Under the FCBA, the credit card issuer must acknowledge receipt of the dispute within 30 days. From the date of the credit card issuer providing receipt of the dispute, it has 90 days to resolve ...

Here’s how it works: First, FCBA protection applies only to “open-end” credit account transactions ‘ those involving credit cards or revolving charges (e.g., department store accounts).

Pending credit card transactions are somewhat of a gray area — they can appear on your statement and temporarily reduce your available credit, but they’re not added to the balance.

Sometimes you may find charges on your credit card that aren’t familiar to you. Here’s what to do if there are transactions on your credit card you don’t recognize.

If you dispute a credit card debt, the debt collector must stop collection activities until they verify the debt. While there's no firm deadline for their response, they cannot legally pursue you ...

Next steps: Following up on a credit card dispute Just because you’ve contacted the merchant or issuer and sent the letter doesn’t mean you’re done. Keep copies of your letter, your ...