How To Dispute A Credit Card Charge

How to dispute a credit card charge is a question that most consumers have to face sooner or later. You may need to dispute a credit card charge due to various reasons. For instance, unauthorized charges, damaged merchandise or never-rendered services could require that you dispute a credit card charge. Fortunately, the process does not require any special skills.

1. Contact the merchant or service provider. Companies generally have a certain period of time within which they can refund your money or exchange merchandise. If you purchased damaged goods, contact the merchant as soon as possible. Most companies strive to keep their customers satisfied and coming back. If the first associate or customer service representative is unable to help you, request to speak with a supervisor.
2. Keep a record of the following items: name of person you spoke with, date and time you called and what was discussed.
3. Send a certified letter. If the merchant does not receive a timely resolution, write a letter to the merchant and send it via certified mail. Simply put your dispute in writing and make two copies—one for your records and one for the credit card company. According to The Fair Credit Billing Act, you must notify the credit card company in writing no later than 60 days after the mailing date on the bill.
4. Include the following in your letter to the credit card company: a copy of the letter you sent the merchant, your account number, transaction date and the reason for withholding payment. Be sure to send the letter to the billing inquiries address on your credit card statement. Send it via certified mail as well, and choose the return receipt option.

If you ever have to dispute a credit card charge, remember to contact the merchant first. Act quickly, and always address the parties involved in a courteous manner. Keep good records, and continue paying your credit card payments while you wait for a resolution.