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Tackling Credit Card Disputes

By: Gerri Detweiler

Do it yourself and save

Web sites that tackle credit card disputes on your behalf charge hefty fees. Sites such as www.disputemycharge.com work on a contingency basis. If they succeed in getting a charge removed from your bill, you may have to pay as much as half the disputed charge.

Better: Handle the matter yourself. The federal Fair Credit Billing Act allows you to dispute a charge and withhold payment if the item you requested is different than what you received or if it is not delivered as agreed. You must submit your dispute in writing to the card issuer within 60 days from the mailing date of the statement on which the charge appeared. Include any documentation of your side of the story. If you phone in the dispute, follow up with written confirmation. Send your letter with return receipt requested to be sure the card issuer received it.

Original Published date: Originally Published in Bottom Line Personal on Feb 10, 2006

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