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

In Washington, credit card consumers have certain rights when disputing a charge. According to state law, consumers have the right to dispute a charge within 60 days of the charge appearing on their account statement. Consumers also have the right to request documentation from the creditor such as a copy of the contract, receipt, or dispute form related to the charge in question. When disputing a charge, the consumer also has the right to dispute the amount of the charge, the date of the charge, and the service or product associated with the charge. In addition, consumers have the right to dispute a charge without being charged a fee or penalties. Once the dispute is filed, the creditor has 30 days to either accept or deny the dispute and provide the consumer an explanation of its decision. If the dispute is accepted, the creditor must refund the disputed amount within 7 days. If the dispute is denied, the creditor must provide the consumer a statement of the amount in dispute, the reasoning behind the denial, and the steps the consumer may take to appeal the decision. The consumer also has the right to seek mediation or arbitration with their creditor if the dispute is denied. Washington provides state-operated mediation and arbitration services to consumers at no cost. Mediation or arbitration processes can help resolve disputes quickly and help both parties reach an agreement in a fair manner.

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

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