What are my rights when disputing a credit card charge?

When disputing a credit card charge in Minnesota, it is important to understand your rights. Under the Minnesota Credit Card Dispute Resolution Law, consumers have the right to receive a clear and concise written explanation of the dispute process. You must receive this explanation within 45 days of filing the dispute. You also have the right to dispute any unauthorized or incorrect charge made to your credit card account. You must notify the card issuer in writing of any unauthorized or incorrect charge within 60 days after the charge was posted to your credit card account. You should provide the card issuer with a detailed explanation of the charge you are disputing. In addition, the card issuer must review and respond to your dispute within two billing cycles or 45 days of the date you notified them of the disputed charge. Upon reviewing your dispute, the card issuer must notify you of the results in writing. If your dispute is found to be valid, the card issuer must remove the charge from your credit card account and refund any related fees or interest charges. Finally, you have the right to contact the Minnesota Department of Commerce if you are unsatisfied with the card issuer’s decision or if you have any questions about the dispute process. The department’s credit card division can provide you with assistance and information related to credit card disputes.

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What are my rights when disputing a credit card charge?

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