Help Desk FAQ

Credit Cards


How can I dispute a credit card charge?

Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute such billing mistakes as:

  • Transactions not authorized by you
  • Transactions in the wrong amount
  • Charges for items that were never received or accepted, or that were returned
  • Accounting errors
  • Charges where you have requested written proof of purchase

If you notice an error on your bill, under the FCBA you have 60 days from the date of the statement to file a dispute with the creditor. (If you do this by phone instead of in writing, be sure you receive a written confirmation.) The creditor has 30 days from receipt of your letter to acknowledge your claim, after which it has two billing cycles or 90 days to either correct the error or inform you why it feels the transaction is accurate.

If the creditor decides that the transaction is accurate, you have 10 days from that notice to inform the creditor that you still refuse to pay the bill. At this point, the creditor can start collection proceedings and report you to the credit bureaus, but it must inform the bureau that you are refusing to pay the bill because of a dispute.

To file a formal complaint against a credit card company, contact the Consumer Financial Protection Bureau (CFPB) at 855-411-CFPB (2372) or



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