You can dispute credit card charges with your issuer for three reasons under the Fair Credit Billing Act: Someone else used your card without permission. You could dispute that payment as an unauthorized purchase.

When should you dispute a charge?

You normally have 60 days from the date a charge appears on your credit card statement to dispute it. This time limit is established by the Fair Credit Billing Act, and it applies whether you’re disputing a fraudulent charge or a purchase that didn’t turn out as expected.

Is it legal to dispute a credit card charge?

The federal Fair Credit Billing Act gives you the right to dispute a charge under certain circumstances, and many issuers make the process much easier than the law requires. But just as you shouldn’t abuse a generous return policy, you shouldn’t dispute credit card purchases without a legally valid reason.

When are customers entitled to dispute a charge?

Credit Card Disputes – When Are Customers Entitled to Dispute a Charge? A credit card dispute, more commonly known as a credit card chargeback, occurs after your customer, identifying a transaction they believe is not valid, disputes the transaction to the issuing bank. The bank files that dispute on the cardholder’s behalf, overturning the sale.

What happens if someone uses your credit card without permission?

Someone else used your card without permission. Say a fraudster charged a big-screen TV to your card. You could dispute that payment as an unauthorized purchase. There was a billing error. Say the merchant charged you for two TVs, but you bought only one. You could also dispute that charge.

How does a merchant respond to a credit card dispute?

Instead, how merchants respond to credit card disputes is spelled out in the merchant agreements they sign when they agree to accept credit cards for payment. “If a consumer successfully disputes a charge, the merchant can still attempt to collect from the consumer by challenging the chargeback.