Welcome, visitor! [ Login

Post an Ad

Credit Card Billing Errors : Fair Credit Billing Act.

Debt-Credit Consolidation December 24, 2022

Billing Errors

If you believe your credit card company has made a billing error, or you are unsatisfied with a purchase, you have certain protections under the Fair Credit Billing Act. Examples of billing errors are:

Image of woman

  • a charge for something you didn’t buy;
  • a purchase by someone not authorized to use your card;
  • an amount on your bill that is different from the actual amount you paid;
  • a charge for something that you did not accept on delivery;
  • a charge for something that was not delivered according to the agreement;
  • arithmetic errors; and
  • payments not credited to your account.

If you think your credit card bill has an error, contact your credit card company within 60 days of receiving the bill with the error. Some companies may accept e-mail; others will require that you put your dispute in writing. Be sure you have the following information available:

  • your name and account number;
  • a description of the billing error; and
  • the date and amount of the charge you dispute.

If there is an error, you will not have to pay interest charges on the disputed amount. Your account must be corrected.

If there is no error, the credit card company must send you an explanation and a statement of what you owe.

  • Debt Collectors -Recovery Services - PA & VA

    by on December 8, 2022 - 0 Comments

    Entity Address Telephone Monarch Recovery Management, Inc. 10965 Decatur Road, Philadelphia, PA, 19154 (215) 281-7500 Monarch Recovery Management, Inc. 9350 Ashton Road, Suite 101, Philadelphia, PA, 19114 (215) 281-7500 Central Credit Services, Inc. Five Neshaminy Interplex, Suite 117, Trevose, PA, 19053 (215) 333-2272 Tate & Kirlin Associates, Inc. 2810 Southampton Road, Philadelphia, PA, 19154 (215) […]

  • Credit Counseling Agencies :EASTERN DISTRICT OF NORTH CAROLINA

    by on November 13, 2022 - 0 Comments

    Alliance Credit Counseling, Inc. 13777 Ballantyne Corporate Place, Ste.100 Charlotte, NC  28277-3433 Phone:  888-594-9596 Fax: 704-943-0313 Email:  kevin@knowdebt.org Website:  www.acc.consumerbkcenter.com, www.crisishelp.org, www.knowdebt.org Debt Management/Credit Counseling All Names Used: Alliance Credit Counseling, Inc., AAAlliance Credit Counseling, Inc., AAA Alliance Credit Counseling, Inc.  Addresses: 15720 John J. Delaney Dr., Ste.100, Charlotte, N.C. 28277, 7621 Little Avenue, #100, […]

  • How to calculate Monthly Income and Expenses - Case study

    by on November 6, 2022 - 0 Comments

    Monthly Income and Expenses   Once you know your monthly expenses, you can use a Monthly Income and Expense Worksheet (similar to the one on page 8 of your Participant Guide), a money management software program, or an online budgeting worksheet to determine: How much money you have coming in (income) How much is going […]

  • 5 Tips for Getting the Most From Your Credit Card

    by on December 21, 2022 - 0 Comments

    Pay on time. Paying your credit card account on time helps you avoid late fees as well as penalty interest rates applied to your account, and helps you maintain a good credit record. A good credit record leads to a higher credit score, which helps you qualify for lower interest rates. Know the date your […]

  • Credit Repair: Have You Been Victimized?

    by on November 22, 2022 - 0 Comments

    Have You Been Victimized? Many states have laws regulating credit repair companies. State law enforcement officials may be helpful if you’ve lost money to credit repair scams. Don’t be embarrassed to report a problem with a credit repair company. While you may fear that contacting the government could make your problems worse, remember that laws […]