How to Dispute Credit Card Charges
If you happen to notice a strange charge on your credit card statement and you do not dispute it in time, you may end up obligated to pay for the debt. It is important to notify your credit card company of any unauthorized charges immediately.
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Instructions
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Study your credit card statements religiously. Many Americans end up with unauthorized charges on their credit cards and never realize it. Be sure to keep an eye on your credit card statement to catch charges early and dispute them.
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Call the credit card company as soon as you notice an unauthorized charge and dispute it. If you have a good payment record, some credit card companies will remove the charge without question. Others will need to do an investigation.
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Request written confirmation of the results of the investigation and that the charge has been removed. You don't want your credit card company to attempt to hold you liable for the charge later and to be left with no proof that you disputed the charge.
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Ask to be issued a new card. If you notice several unauthorized charges on your credit card it may be time to cancel the card and get a new one. Identity theft happens every day. Don't take risks with your finances.
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Call the company that placed that unauthorized charge and ask to speak to their fraud department to explain the situation and dispute the charge on their end. Just because you have the charge removed from your credit card does not mean it goes away. You don't want that charge popping back up as a negative tradeline on your credit report.
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