What are the deadlines for filing a credit card dispute?

In North Carolina, the deadline for filing a credit card dispute depends on the type of dispute. Generally, a consumer has up to 60 days from the date when the statement was sent to them to dispute a charge on their credit card. If a consumer believes they have been charged for a transaction that they did not authorize, they must file a dispute within 60 days of the transaction date. In some cases, a consumer may be able to challenge a charge up to a year after it has occurred. There are also other circumstances in which a consumer may have additional time to dispute a charge. For example, if a consumer has been the victim of fraud, they may have more time to challenge the charge. Consumers should also be aware that federal law limits consumers’ liability for unauthorized transactions to $50, so it is important to file the dispute as soon as possible. Furthermore, consumers should keep all of their paperwork related to the dispute, such as copies of correspondence with the credit card company, in order to prove their case. Overall, the timeline for filing a credit card dispute in North Carolina can vary depending on the type of dispute, so it is important to understand the specifics of the situation before beginning the process.

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