What are my rights when disputing a credit card charge?

The state of California has several laws in place that regulate the dispute resolution process for credit card charges. As a consumer, you have the right to dispute any credit card charge that you believe to be incorrect or fraudulent. Once you dispute the charge, the credit card issuer must look into the dispute and resolve it within two billing cycles or ninety days. This means that if you have a dispute, the issuer must investigate it and provide you with a response within that time frame. When you dispute a charge, you have the right to have the issuer explain why the charge was made and what steps need to be taken to resolve the dispute. You also have the right to ask for the charge to be reversed and any related fees removed. Additionally, you can request an adjustment to reflect the correct amount of the charge. In addition to these rights, you may also be entitled to damages if the issuer did not comply with the dispute resolution process. If this happens, you can file a complaint with the appropriate state or federal consumer protection agency. By doing so, you may be able to get the charge reversed and any fees or damages you incurred reimbursed. By understanding your rights when disputing a credit card charge, you can ensure that you are protected and that the credit card issuer is held to its legal obligations.

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What are my rights when disputing a credit card charge?

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