What are the deadlines for filing a credit card dispute?

In Virginia, consumers have certain deadlines for filing a credit card dispute. According to the law in Virginia, you must file a dispute with the credit card issuer within sixty (60) days of the transaction date. The credit card issuer must then investigate the dispute and must provide a resolution within two (2) billing cycles but not more than ninety (90) days of the date the dispute was filed. However, if the dispute involves an error made by the credit card issuer, such as a billing error, the credit card issuer must investigate and provide a resolution within the next two (2) billing cycles, which cannot be later than sixty (60) days from the date the dispute was filed. If the consumer is unsatisfied with the resolution offered by the credit card issuer, the consumer can file a complaint with the Virginia Office of the Attorney General. The complaint must be filed within one (1) year from the date of the transaction involving the dispute. In addition, the Virginia Office of the Attorney General has the authority to investigate complaints filed within the one (1) year period. Therefore, it is important to file any credit card disputes within the time limits prescribed by the law.

Related FAQs

What are the federal laws governing credit cards?
How can I prepare for a chargeback?
What if my credit card company refuses to accept or agree to my dispute claim?
What are some of the best strategies for protecting myself from credit card fraud?
What rights do I have under the Fair Credit Billing Act?
How can I dispute a debt collection action?
What are the laws on credit card debt collection?
What are the most important steps to take when negotiating with a credit card company?
How do I dispute a charge if I cannot remember what I purchased with my credit card?
What types of billing errors are covered by the Fair Credit Billing Act?

What are the deadlines for filing a credit card dispute?

Related FAQs

Related Blog Posts