What are the rights of a credit card consumer when disputing a charge?

When a credit card consumer in Minnesota disputes a charge, they have certain rights in order to protect them as a consumer. First, the consumer may dispute the charge by writing directly to their credit card company, or to the business that provided the service or product that was charged. This letter should include why the consumer believes the charge is incorrect. The cardholder should keep a copy of this letter for their records. Second, the cardholder is entitled to a full refund for the disputed charge, if the credit card company or the business agrees that the charge was incorrect. The cardholder may also be entitled to a refund of any additional fees associated with the charge, such as late fees or interest charges. Third, the credit card company is allowed to investigate the dispute to determine whether it is valid. The cardholder has the right to review any documents or evidence gathered during the investigation, and the cardholder may contest the results. Finally, the cardholder has the right to seek legal action against the credit card company or business if they feel their rights have been violated. Consumers should first discuss the dispute with their credit card company and provide evidence to support their position. If the dispute is not resolved through informal channels, the consumer may choose to pursue a formal complaint or take legal action.

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What are the rights of a credit card consumer when disputing a charge?

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