What can I do if I am charged late fees for my credit card payments?

If you are charged late fees for your credit card payments in Rhode Island, there are a few steps you can take. Firstly, you should contact your credit card issuer and explain why you were late with payment. The creditor may waive the fee if there are extenuating circumstances. If your credit card issuer does not waive the fee, you may be able to dispute the charge. Under the Credit Card Dispute Resolution Law in Rhode Island, you have the right to dispute the charge with your credit card company. You should provide them with evidence that supports your claim. If you are able to prove the late fee is incorrect, the company must remove it from your credit report. If the credit card issuer denies your claim, you can contact the Rhode Island Division of Consumer Protection. The division can help you to resolve the dispute with your credit card company. They may be able to enforce the Credit Card Dispute Resolution Law if necessary. You can also dispute the late fee with the credit bureaus. The credit bureaus must investigate your dispute and remove any inaccurate information from your credit report. In summary, if you are charged late fees for credit card payments in Rhode Island, you can contact your credit card issuer, the Rhode Island Division of Consumer Protection, and the credit bureaus. Each of these entities can help you to dispute the charge and remove it from your credit report.

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What can I do if I am charged late fees for my credit card payments?

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