Does your credit card bill contain a billing error? Did someone use your card fraudulently to rack up unauthorized charges? Have you tried and failed to resolve a credit card dispute with a vendor, such as a defective item that the vendor will not refund? These are situations where the Fair Credit Billing Act (FCBA) can offer you protection and a potential path to resolution.
The FCBA, enacted in 1974, allows you to dispute charges under the above circumstances and potentially withhold payment on a temporary basis without any harm to your credit score.
Under the FCBA, credit card issuers are obligated to investigate disputed charges and resolve them if they are incorrect. However, it's important to understand how the FCBA applies and to know the proper way to register your complaint.
Billing errors under the FCBA have a fairly broad definition. Examples include failure to po...
from MoneyTips https://www.moneytips.com/3-times-you-should-dispute-credit-card-charges
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