How can I dispute fraudulent charges on my credit card?

If you believe that you have experienced fraudulent charges on your credit card, you should first contact the credit card company or issuer. In Florida, there are laws to protect consumers from fraudulent charges on credit cards. The Fair Credit Billing Act (FCBA) is a federal law that allows credit cardholders to dispute charges that they believe are unauthorized or incorrect. If you file a dispute, the credit card issuer is required by law to investigate the dispute and respond to you within two billing cycles. In Florida, credit card holders also have the added protection of section 501.081 of Florida Statute Title XXXIX, which is the Credit Card Dispute Resolution Law. This law provides credit card holders with the right to dispute a charge for any reason, including charges that may be fraudulent. If the credit card issuer finds the charge to be fraudulent, it must reimburse the cardholder for the full amount of the fraudulent charge and any related charges that could have been avoided as a result of the fraud. The issuer must also notify the cardholder of the resolution. If the issuer resists or fails to respond to the dispute within the two billing cycles, the cardholder may seek legal action under the FCBA. This may include filing a complaint with the Federal Trade Commission, or suing the credit card issuer in a court of law. Regardless of the method used to resolve the dispute, it is important to keep all records and statements related to the fraudulent charge in case they are needed for evidence in the future.

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How can I dispute fraudulent charges on my credit card?

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