How do I dispute a credit card charge?

If you’ve been charged for something you didn’t buy or receive, you have the right to dispute the charge with your credit card company. Disputing a charge is a process of resolving a billing issue with a merchant. In New Jersey, the law regulating credit card dispute resolution is The Fair Credit Billing Act. The first step in disputing a credit card charge is to contact your credit card company. Make sure to have the account number and the details of the charge you’re disputing. Provide your credit card company with as much information as possible. Your credit card company may then try to settle the dispute with the merchant. If your dispute is not resolved, you may be able to file a billing dispute with the credit card issuer. You’ll need to fill out a billing dispute form and attach any evidence proving your dispute. The credit card company may then investigate the merchant’s claim and pass their findings back to you. If the results are in your favor, then the credit card company will issue you a credit. If they’re not, then you may still be able to take further action. You can contact the Federal Trade Commission or the local consumer protection agency for help. In summary, if you are in New Jersey and want to dispute a credit card charge, you should contact your credit card company, provide them with as much information as possible, and if necessary, fill out a billing dispute form. If that doesn’t resolve the issue, you may have to take further action.

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How do I dispute a credit card charge?

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