How do I dispute a charge if I cannot remember what I purchased with my credit card?

If you cannot remember what you purchased with your credit card, you can still dispute the charge. In New Jersey, the Credit Card Dispute Resolution Law protects consumers from unfair or deceptive billing practices. You can dispute a charge with four simple steps. First, you must write a letter to the credit card issuer that states the transaction in question is unauthorized, incorrect, incomplete, or otherwise inaccurate. Include your name, address, and account number, along with the amount, date, and other information of the charge. Second, you must provide documentation to support your claim. The type of documentation may vary, but it should detail the nature of the dispute. Depending on the dispute, you may provide canceled checks, written contracts, bills, receipts, warranties, repair orders, or other documents. Third, after the card issuer receives the dispute, they have 90 days to investigate the claim and the credit card company must resolve the dispute within two billing cycles. Lastly, if the credit card issuer decides not to adjust the charge, you can appeal this decision. In this case, contact the New Jersey Consumer Affairs Department and explain the facts of the case. The department may help you resolve the dispute by mediating with the credit card company or filing a complaint. Ultimately, the Credit Card Dispute Resolution Law provides consumers with the right to dispute an incorrect charge. By following the four steps mentioned above you can dispute a charge if you cannot remember what you purchased with your credit card.

Related FAQs

What does the law say about credit card disputes?
How does the Fair Credit Billing Act protect credit card consumers?
What kinds of things can I dispute through the credit card dispute resolution process?
How does the Truth in Lending Act protect credit card consumers?
How does the Electronic Fund Transfer Act protect credit card consumers?
What is the statute of limitations on credit card debt in my state?
What are the laws on credit card debt collection?
What are some of the most common defenses used in credit card dispute resolution?
What types of legal action are available for credit card disputes?
Is it possible to obtain a refund if I have been the victim of fraud?

How do I dispute a charge if I cannot remember what I purchased with my credit card?

Related FAQs

Related Blog Posts