How can I dispute fraudulent charges on my credit card?
If you believe that there has been fraud or unauthorized charges on your credit card in Minnesota, you can make a dispute resolution with your credit card company. Under Minnesota law, you have the right to dispute the charges if you feel that you are not responsible for them. Here’s how to start the dispute resolution process: 1. Contact your credit card company. You should inform them that you are disputing the charges that you feel are fraudulent. 2. Provide any documentation that supports your claim. This can include any emails, letters, or receipts. 3. Provide any evidence that you feel proves that you were not responsible for the charges. 4. Request that the charges be removed from your credit card statement. 5. Submit your dispute in writing. You should include any documentation that supports your claim, as well as your contact information. Once your dispute is filed, the credit card company is required to investigate the disputed charges within two billing cycles. If they find that the charges were made fraudulently, they must remove them from your credit card account. If they find that you are not responsible for the charges, they must also remove them. However, if they find that you are responsible for the charges, they can re-evaluate your dispute within 30 days of their final decision. During this time, they may decide to remove the disputed charges. In Minnesota, credit card companies are responsible for providing their customers with a fair dispute resolution process. If you feel that your dispute was not handled fairly, you can file a complaint with the Minnesota Department of Commerce.
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