What are my rights when disputing a credit card charge?

In Virginia, if you dispute a credit card charge, you have certain rights under the Credit Card Dispute Resolution Law. This law provides you with protection against unfair or deceptive practices related to the use of your credit card. According to the law, if you believe a charge is incorrect, you have the right to send a written dispute to the credit card issuer. This must be done within 60 days of the charge being made. The issuer must then investigate the claim, and if they find that the charge was incorrect or unauthorized, they must refund the charge plus any related late fees or other associated costs. You also have the right to use alternative dispute resolution methods, such as filing a complaint with the Consumer Protection Division of the Virginia Attorney General’s Office. This office can help to mediate a dispute between you and the credit card company, or even take legal action if necessary. Finally, you have the right to require the credit card company to provide you with a full explanation of any fees or charges that are applied to your account. In certain cases, if the fees or charges are deemed to be excessive or unwarranted, the credit card company may be required to refund the charge. Overall, the Credit Card Dispute Resolution Law in Virginia provides consumers with many rights when it comes to disputing a credit card charge. By understanding these rights, you can better protect yourself from fraudulent or incorrect charges and obtain a fair resolution to the dispute.

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What are my rights when disputing a credit card charge?

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