How Do I Dispute a Household Bank's Credit Card Fees?
Opening a statement from Household Bank, or any credit card company, can create stress. Opening the statement and finding charges that you feel are not accurate or fair can make you want to pull out your hair. If you feel the charges are unfounded or made in error, you can dispute the charges. There are several ways you can dispute the charges: via telephone, through the online banking services or by writing a letter to Household Bank. Whichever option you choose, you may have to work your way up through management in your attempt to get the charge reversed.
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Instructions
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Call customer service and speak to a customer service representative. Explain to the representative why the charge should not apply and request to file a dispute. The customer service representative will collect the information regarding the charge and forward it to the appropriate department. Depending on the circumstances, the customer service representative could reverse the charge for you during the call.
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Use the online banking services and file a fee dispute through the online form. Fill out the form and provide all requested information. Click "submit," and the form will be forwarded to the appropriate department. A bank representative will contact you either via email or by telephone.
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File a dispute in writing. Compose a letter to Household Bank and provide your name, address, telephone number, email address, account number, the date of the charge and the reason you are disputing the charge. For example, if you received a charge for a late payment when in fact the payment was made ten days in advance of the due date, state this in the letter. A bank representative will contact you using the information you provided.
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Tips & Warnings
If you have not previously used online banking services, you will have to sign up for the services.
It may be necessary to speak to a supervisor to get the dispute resolved.
References
Resources
- Photo Credit Checking credit card statment image by Elzbieta Sekowska from Fotolia.com
