How to Dispute a Credit Card Error
- 1). Review your credit card bill carefully and identify any charges you do not recognize. Note the date of the transaction and the name of the merchant.
- 2). Contact the merchant if the company phone number is listed on the credit card statement. Some credit card issuers list a phone number for each vendor to make it easier for customers to verify charges. Sometimes a particular company does business under a name other than the one consumers are familiar with.
- 3). Call the customer service phone number listed on your credit card statement and speak to a representative. While many credit card issuers allow you to dispute a charge via their automated system, it is generally best to speak to someone.
- 4). Provide the representative with the date and amount of the transaction you wish to dispute, as well as the name of the vendor. Tell the representative why you feel the charge is in error.
- 5). Ask the representative for the address to send a written statement of your dispute. While you can initiate your dispute over the telephone, it is important to follow up in writing.
- 6). Write a letter to the credit card issuer detailing the transaction you wish to dispute and the reason for the dispute. Be sure to list your credit card number and the identifying information for the transaction. Keep a copy of the letter for your records, and make notes on each telephone conversation you have regarding your dispute.
- 7). Complete an affidavit if required by the credit card company. If your credit card number was used without your authorization, you might need to sign an affadavit certifying that you did not authorize the charges. The affidavit should be notarized, so do not sign it until you are in the presence of the Notary Public. AAA members are entitled to free notary work.
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