How Long Does It Take to Dispute Credit Card Charges?
Disputing a credit card charge is both challenging and time-consuming. Many credit card holders are unsure where and when to start when it comes to disputes. The time allowed for disputing a credit card charge is short and filing your dispute promptly is essential for resolving. DoNotPay provides an easy alternative to frustrating phone calls, letters, and even faxes.
The 60-Day Rule for Disputing Credit Card Charges
The Fair Credit Billing Act allows 60 days for disputing a credit card charge. This federal act protects consumers from unfair billing practices for charges of $50 or more and gives consumers the right to dispute the following:
- Unauthorized card use
- Goods or services not delivered
- Charges with an incorrect date or amount
- Statements delivered to a wrong address
These are a few examples of the common reasons for credit card disputes. While 60 days is technically 2 months, the time can pass quickly, making urgent action on your part imperative.
Credit Card Charge Disputing Process
You can dispute credit card charges on your own by disputing the charges in writing. A standard credit card dispute letter contains the following information:
- Personal personal information, such as address and account number.
- The specific charge you are disputing and the reason for the dispute. Provide documentation that supports your claim of wrongdoing or error.
- Ensure you have the correct contact information so that your letter lands in the right hands.
A careful and consistent review of your account is necessary for spotting disputed charges immediately. Delaying action can cost you an opportunity to fight the charge. This is because the dispute clock starts at the moment of the transaction and not the moment you notice the charges.
|Credit Card Company Response Time||The credit card company has 30 days to respond to your letter disputing a specific charge or charges. During this time, the credit card company must inform you of their decision to deny or honor your dispute.
When a credit card company approves a dispute, the company refunds the amount in question plus any associated fees. If the dispute is denied, the company must provide you with an explanation as to why.
|10-Day Consumer Response Time||You then have 10 days to respond and to decide your next step. Keeping track of this and other tight time restraints can overwhelm you. 10 days can pass in the blink of an eye as you research options, if any, for moving forward.
At this point in the dispute process, most consumers are tired and frustrated. The time spent documenting and building their case, writing a letter, identifying the correct recipient, and awaiting a reply is stressful. However, help is available through DoNotPay, the world's first robot lawyer.
Disputing a Credit Card Charge Is Your Right
Credit cards have quickly replaced cash asking when it comes to purchasing goods and services. From airline tickets to groceries, credit cards make getting what we need fast and easy. However, an unauthorized charge can confuse and frighten you. Once you notice an unusual charge of $50 or more, get help disputing the charge from DoNotPay.
There are certain rules that apply to disputed credit card charges, like:
- Charges made by an authorized card user, are not disputable
- The Fair Credit Billing Act protects "open-end" credit accounts —not installment contracts like loans
- A creditor may not pursue legal action to collect the amount disputed during an investigation.
Consumers must pay portions of the bill not in question, including finance charges on the disputed amount. If you win your dispute, the credit card company may refund the finance charges once the investigation is complete.
How DoNotPay Helps With Credit Card Disputes
Chances are, your daily schedule leaves you zero time to deal with a credit card dispute. Working with DoNotPay removes the complex process with the following five easy steps:
- Open DoNotPay on your web browser
- Select the Chargebacks feature
- Provide your bank details for our chatbot
- Enter the name of the merchant
- Let DoNotPay guide you through the process of building up your case
Once you confirm all the details, the app will generate a dispute letter and send it directly to your bank. It can send a letter to the merchant as well. DoNotPay is a hassle-free process for consumers who seek to protect their credit by disputing credit card charges.
Avoid Bureaucratic Obstacles with DoNotPay
At DoNotPay, we will help you get immediate refunds from Varo dispute transactions of all sizes. Aside from that, if any company declines to issue a refund, we can help get a chargeback on the transaction. We can help with chargebacks such as:
- Zelle chargeback
- Cash app refund
- Vanilla gift card refund
- Amazon refund without return
- Doordash refund
- Lyft refund
- PayPal friends and family refund
Consumers have 60 days to pursue a dispute. If you notice unusual activity on your credit card statement, take swift action by contacting DoNotPay. Help is just a click away, saving you time and headaches.
Life moves fast and a failure to monitor your credit card can impact your credit. For example, future purchases may require a co-signer or result in a denial of loans and other financial opportunities.
Avoid the time-consuming process of disputing your charges alone. DoNotPay has the tools you need to streamline the credit card dispute process. Enter your information today to start your credit card dispute and a possible refund of charges and fees.