What happens if I do not have enough evidence to support my dispute?

If you do not have enough evidence to support your dispute under Virginia’s Credit Card Dispute Resolution Law, your credit card company may still investigate your claim. However, it is possible that they could decide that there is not enough evidence to support your claim and may deny it. If the credit card company denies your dispute, then you may be able to appeal their decision. You may wish to provide additional evidence or documentation to help support your case. However, if your dispute is denied after appealing, then your credit card company is not liable for the disputed charges and you will be responsible for paying them. If you are unsatisfied with the outcome of your dispute or appeal, then you can file a report with the Virginia Office of the Attorney General Consumer Protection Division. This office can investigate your dispute and attempt to mediate a resolution between you and the credit card company. If they are able to mediate a resolution, then you can proceed with the agreement and pay any amount due. If the Attorney General’s Office cannot mediate a resolution, then you could consider filing a lawsuit. This is often the last resort, as filing a lawsuit can be expensive and time-consuming. However, if the disputed charges are significant and you are unable to get any other resolution, then filing a lawsuit may be your only option.

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What happens if I do not have enough evidence to support my dispute?

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