Credit Card Billing Errors
Unauthorized charges, incorrect amounts or billing for things you never received. The Fair Credit Billing Act gives you the right to dispute them, and we help you use it.
- Admitted in New York, 2004
- S.D.N.Y. and E.D.N.Y.
- Representing consumers since 1999
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What counts as a credit card billing error?
Common billing mistakes include unauthorized charges, incorrect amounts, charges for goods or services you never received, duplicate charges, returns or credits that aren’t reflected correctly, and charges on a stolen card. The Fair Credit Billing Act lets you dispute them in writing within 60 days of receiving the statement.
- Unauthorized chargesSomeone uses your card information without permission.
- Incorrect amountsThe charge differs from the actual purchase price.
- Goods or services not receivedCharges for items or services you never got.
- Duplicate chargesOne transaction processed more than once.
- Errors in returns or creditsA return or credit that isn’t reflected correctly.
- Stolen credit cardYour card was stolen or used without your knowledge.
Dispute in writing
Notify your credit card issuer in writing about the error within 60 days of receiving the statement.
“Kevin was very knowledgeable and helpful in a case I was building against credit card fraud. We didn’t end up going to court, but he was friendly and confident to work with.”
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4.8 across 40+ reviews
Prior results do not guarantee a similar outcome.
What are your rights under the Fair Credit Billing Act?
The FCBA sets deadlines for you and for your card issuer. You have 60 days from receiving the statement to dispute an error in writing. Your issuer must acknowledge your complaint within 30 days and resolve the dispute within two billing cycles, and no more than 90 days.
Your rights under the Fair Credit Billing Act
The FCBA sets deadlines for you and for your card issuer.
- Days to dispute a credit card billing error in writing
- 60
- Counted from when you receive the statement with the error.
- Days for your card issuer to acknowledge the complaint
- 30
- Counted from when the issuer receives it.
- Days at most for the issuer to resolve the dispute
- 90
- Within two billing cycles, and no more than 90 days, after receiving your complaint.
How do you dispute a billing error?
Five steps under the Fair Credit Billing Act. We can guide you through each one. Review your statement, gather documentation, contact the merchant, write to your card issuer if the merchant does not fix it, and follow up to make sure the dispute is being handled.
Review your statement
Look for unfamiliar charges, incorrect amounts or duplicate transactions.
Gather documentation
Collect receipts, invoices and any other documents related to the disputed charges.
Contact the merchant
Resolving the issue directly with the merchant can be quicker. They might correct the error and issue a refund.
Write to your issuer
If the merchant does not fix it, write to your credit card issuer with your name, account number, a description of the error and copies of supporting documents.
Follow up
Monitor your account and follow up with your issuer to make sure the dispute is being handled.
Start with a free consultation.
Contingency fee arrangements are available for most cases.
How can our legal team help?
We explain your rights under the FCBA and guide you through the dispute, help gather documents and draft letters to your issuer and the merchant, and represent you in negotiations or legal proceedings if your dispute needs further action. In cases of fraud, we work with the relevant authorities.
See each way we help
- AdviceWe explain your rights under the FCBA and guide you through the dispute process.
- Documentation and communicationWe help gather documents and draft effective letters to your issuer and the merchant.
- RepresentationIf your dispute needs further action, we represent you in negotiations or legal proceedings.
- FraudIn cases of fraud, we work with the relevant authorities to resolve unauthorized charges.
Why choose Mallon Consumer Law?
Our legal team has extensive experience in handling credit card billing disputes and consumer protection cases. We provide personalized attention to each case, ensuring that your unique situation is addressed effectively, and our track record of successful resolutions speaks to our commitment to achieving favorable outcomes for our clients.
Prior results do not guarantee a similar outcome.
Read why clients choose us
Experience
Our legal team has extensive experience in handling credit card billing disputes and consumer protection cases.
Personalized service
We provide personalized attention to each case, ensuring that your unique situation is addressed effectively.
Successful track record
Our track record of successful resolutions speaks to our commitment to achieving favorable outcomes for our clients.
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- You send the form or call 646-713-1008. A few sentences about what happened is enough to start.
- We contact you to set up a free consultation.
- In the consultation, we listen to what happened and outline your legal options.
Contingency fee arrangements are available for most cases.