What does the law say about credit card disputes?

In Washington State, credit card dispute resolution is governed by the Revised Code of Washington Chapter 19.16 and other related statutes. According to the law, consumers have the right to dispute any unauthorized or incorrect charges to their credit cards. The law outlines the steps that a consumer must follow to resolve a dispute, including sending a written dispute to the company that issued the card, providing proof of the dispute, and providing the company with an opportunity to respond to the dispute. The law also states that the credit card issuer must provide written notice to the consumer to inform them of the right to dispute any charges and the procedure for filing a dispute. The credit card issuer must also provide a written response to the consumer within 30 days of receiving the dispute. The law also outlines the rights of consumers, including the right to be informed of the investigation, the right to be given a fair and reasonable chance to present their case, the right to obtain documentation to support their case, and the right to be informed of any resolution of the dispute. If the consumer and the credit card issuer are not able to come to an agreement, the consumer has the right to take the case to court. The court may order the credit card issuer to return all disputed amounts to the consumer, or issue some other relief to the consumer. Ultimately, the law of credit card dispute resolution in Washington State gives consumers a fair chance to resolve disputes between them and their credit card companies. Consumers should always take advantage of their right to dispute any incorrect or unauthorized charges; understanding Washington’s credit card dispute resolution law can help ensure that their rights are protected.

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What does the law say about credit card disputes?

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