What are my rights when disputing a credit card charge?

When disputing a credit card charge in Rhode Island, you may have certain rights as an consumer. In Rhode Island, consumers have the right to dispute a credit card charge. The dispute must be made in writing, and sent to the address on the credit card statement or the consumer helpline. When disputing the charge, the consumer must provide details of why they believe the charge is inaccurate or unauthorized. The consumer must provide their account number, the date of the charge, and the description of the charge. It is important to provide as much information as possible to ensure that the dispute is properly investigated. Once the dispute is filed, the credit card issuer must provide a written response within 30 days. If the consumer does not receive a response, the dispute should be resubmitted in writing. If the credit card issuer disputes the charge, the cardholder has the right to request a written explanation. This explanation must contain the evidence that supports the issuer’s decision. If the consumer is not satisfied with the explanation, they can file a complaint with the Rhode Island Office of the Attorney General. The Attorney General’s Office will investigate the dispute and attempt to resolve it. The consumer may also seek legal advice if they feel a lawsuit is necessary. Ultimately, Rhode Island consumers have the right to dispute a credit card charge. It is important to submit the dispute in writing and provide as much evidence as possible. If the credit card issuer does not provide an adequate response, the consumer has the right to file a complaint with the Attorney General’s Office.

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What are my rights when disputing a credit card charge?

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