What are my rights when disputing a credit card charge?

In New Mexico, you have certain rights when it comes to disputing a credit card charge. If you feel that a charge on your credit card is unauthorized, incorrect, or fraudulent, you are entitled to dispute it with the credit card company. The process for disputing a charge begins by contacting the company that issued the credit card. You can do this by phone, email, or in some cases, online. You will need to provide proof that the charge is unauthorized, incorrect, or fraudulent. This could be a receipt, proof of purchase, or any other evidence that supports your claim. Once you have submitted your dispute, the credit card company will investigate the matter. They will contact the merchant involved and look into the validity of the charge. If the evidence you provided proves that the charge is unauthorized, incorrect, or fraudulent, the credit card company will reverse the charge and remove it from your account. Additionally, you have the right to a refund if you are able to provide proof that the charge was unauthorized, incorrect, or fraudulent. It is important to note that you must contact the credit card company within 60 days of the charge appearing on your statement. If you do not contact them within this time frame, you may not be eligible for a refund. Finally, you should keep in mind that New Mexico has consumer protection laws in place that provide additional protections in the event that a credit card charge is unauthorized, incorrect, or fraudulent. You should contact a consumer protection lawyer if you are not sure what legal recourse you may have.

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What are my rights when disputing a credit card charge?

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