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Occasionally, a charge will show up on your credit card that you did not charge or authorize. Maybe a store accidentally ran your card twice, or even someone stole your mastercard number. Either way, sometimes you want to dispute a charge on your card in writing, and you’ll got to write both the business that charged and your mastercard company to dispute it.
Contact Your Credit or open-end credit Company
You must notify your credit or open-end credit company of any error you’re disputing within 60 days of the date that the primary statement on which the charge appears was sent to you. Consumer protections for credit cards are stronger than protections for debit cards, but some open-end credit companies voluntarily offer more protections than the law requires. To best protect your rights, review your account statements carefully monthly and submit any dispute directly .
Start by calling the cardboard company’s customer service number to report the matter . Find the phonephone number on your monthly statement or on the rear of your card. Keep a record of who you spoke with and when. Follow up promptly with a letter. The sample below may help.
Many card companies may allow you to to submit your dispute online. you’ll need to found out a web account to try to to that. However, to completely protect yourself, follow up with a letter quickly.
Writing a Letter to the Business
Send a Dispute Letter to Your Card Company
After you call the cardboard company or dispute the charge online, follow up directly with a letter disputing the charge. The letter may be a written notice to the cardboard company about the matter . Remember, you want to send the letter within 60 calendar days of the date that the primary statement on which the disputed charge appears was sent to you.
Make sure your letter includes
- your name and account number
- the dollar amount of the disputed charge
- the date of the disputed charge
- an evidence of why you think that the charge is wrong
Here are some possible reasons why you would possibly believe a charge is incorrect:
- The date or amount of the charge is wrong.
- The charge is for goods or services that you simply didn’t accept or that weren’t delivered to you as agreed.
- You were charged quite once for something.
- You returned the item, but the credit wasn’t posted to your account.
- You purchased the item, but the payment wasn’t posted to your account.
- You didn’t authorize the transaction.
Send your letter to the address your card company lists for billing disputes, errors, or inquiries. Look on your monthly statement, the cardboard company’s website, or your card agreement to urge the proper address. The address for billing disputes usually is different from the address where you send your payments.
Send your letter by certified mail, if possible. invite a return receipt so you’ve got proof that the cardboard company got your letter. Include together with your letter copies of any receipts, checks, or other proof of the transaction. Hold on to your originals.
Write the letter within 2 months
The law backs you up once you are making a dispute, but it does state that you simply must roll in the hay within 2 months of getting your bill. Therefore, confirm you write and send the letter during a timely manner.
Consider Contacting the vendor
It also may help to contact the vendor for problems you’re having with debit or mastercard charges. except for most problems, if you don’t first contact the cardboard issuer, you’ll lose important rights that protect you thanks to the timing requirements.
When you contact the vendor , keep a record of who you spoke with and when. If you resolve the matter , check back together with your card company — often your bank — to form sure your account shows the right credit or refund.
- confirm you retain paying your bill while you are making the dispute. Your mastercard company can report you to the credit score companies if you’re late on your charges, albeit you’re disputing a claim.