How to Dispute Credit Card Bills
- 1). Write to your creditor describing in detail the billing error. Include your name, address and account number. The FTC advises sending your dispute to the address designated for billing errors, not the address for payments. You can get this address by calling the number on the back of your card.
- 2). Send your letter so that your creditor gets it within 60 days after you received the first bill containing the error.
- 3). Use a service, such as certified mail, to send your letter so you have proof of receipt. The FTC suggests sending the creditor copies, not original documents. Keep a copy of the correspondence.
- 4). Follow up with your creditor. It is required by the FCBA to acknowledge your dispute in writing within 30 days of receiving it, and to resolve the dispute within two billing cycles.
- 5). Withhold payment of the disputed amount while the creditor investigates your claim. The FTC notes that while this amount can still be deducted from your credit limit, there can be no collection activity in reference to it. Pay the other charges on your bill as usual.
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