How long does a credit card dispute resolution process take?

The length of time a credit card dispute resolution process takes can vary depending on the particular credit card company in Virginia and the type of dispute. Generally, a credit card dispute process begins when a customer files a dispute with the credit card company. The credit card company then has 30 days to review the dispute. Once the dispute is received, the company must investigate the dispute and provide an answer to the customer within two billing cycles. The customer then has the right to appeal the decision to the credit card company’s dispute resolution department. This appeal process can take up to 60 days, depending on the credit card company. In most cases, the credit card company is required to resolve the dispute within 90 days of the customer filing the dispute. This includes any appeals that the customer may make. The credit card company must also provide a written explanation for its decision. Once the credit card dispute is fully resolved, the customer is free to take any further legal action if they still feel their dispute has not been fairly addressed. In Virginia, the customer has one year from the date the dispute was submitted to file a written complaint with the Attorney General’s Office. The Attorney General’s Office will review the complaint and may initiate an investigation of the credit card company if needed.

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