How can I find out what the legal limits are for a credit card dispute?

In Washington, the legal limits for a credit card dispute are determined by the federal Fair Credit Billing Act (FCBA). The FCBA is the federal consumer protection law that protects consumers in their credit card transactions with creditors, including banks and other financial institutions. Under the FCBA, you have the right to dispute any charges you believe to be inaccurate or unauthorized. If you do so, the creditor must complete an investigation within two billing cycles (or 90 days) and give you a written explanation of their findings. If the creditor finds that the disputed charges were inaccurate or unauthorized, you can be reimbursed for any related fees and the amount of the charge. You also have the right to dispute an erroneous or unauthorized charge within 60 days of the date you were billed for that charge. In these cases, the creditor must resolve your dispute within two billing cycles (or 90 days) and notify you of their findings in writing. Additionally, the FCBA limits liability for unauthorized use of a credit card to $50. This applies to any unauthorized charges you may make. By following the procedures outlined in the FCBA, you can find out the legal limits for a credit card dispute in Washington. If you have any questions about the FCBA or any other consumer protection laws in Washington, you should contact your local consumer protection office for assistance.

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How can I find out what the legal limits are for a credit card dispute?

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