What should I do if I disagree with a credit card company's decision?

If you disagree with a credit card company’s decision, you can file a complaint with the credit card company. You should provide the company with details of why you dispute their decision and wait for a response. If the credit card company has not provided you with a satisfactory resolution, you can contact a consumer advocate or a lawyer who specializes in credit card dispute resolution law in New Jersey. The consumer advocate or lawyer can help you file a complaint with the New Jersey Division of Consumer Affairs. Your complaint should include a detailed description of your dispute and any supporting documents. After receiving your complaint, the Division of Consumer Affairs might investigate your claim. Depending on the outcome of the investigation, the Division of Consumer Affairs may contact the credit card company and ask them to work with you to resolve the dispute. If the credit card company fails to comply with the Division of Consumer Affairs’ request, the Division may refer the dispute to the New Jersey Attorney General. The Attorney General may then take legal action against the credit card company for any violations of the credit card dispute resolution law. If the Attorney General is unable to settle the dispute, you may need to file a lawsuit in civil court. During this process, it’s important to keep organized records and receipts of all transactions and communication related to the dispute. Doing this may help you build a stronger case against the credit card company.

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What should I do if I disagree with a credit card company's decision?

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