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

If you disagree with a credit card company’s decision in Washington, you have the right to file a dispute with the company. You can do this in writing, over the phone, or online. You should include the account number, the amount in dispute, and the reason you disagree with the decision. It’s a good idea to keep a record of the date you submit the dispute and the method you use to submit it. The credit card company must investigate the dispute and provide you with a written notification of the results within two billing cycles. If you don’t agree with the results, you can file a complaint with the Washington Department of Financial Institutions. You should include the details of your dispute, your account number, and any correspondence you have had with the credit card company. The department will usually investigate your complaint and may order the credit card company to resolve the dispute in your favor. Additionally, the department may order the company to provide restitution. Ultimately, you should read through your credit card agreement and state laws to understand your rights and the steps you need to take to ensure a fair resolution. If you still feel like the credit card company isn’t giving you a fair outcome, you can contact a consumer law attorney for help.

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

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