DISPUTING MISTAKES ON CREDIT CARD STATEMENTS
What do you do if you find a charge on your credit card statement that isn't yours? For the majority of us the answer is to immediately call the credit cards customer service department and report the error. What you might not know is that there is no guarantee that by making that call that the charge will be removed. If you look at the bottom of your statement you will see this notice: Calling about billing errors will not preserve your rights.
It is definitely a good idea to call and also to document the call with the time and date of the call and also the name of the representative that you spoke with and it is also very necessary for you to follow up with a letter. As a rule when dealing with credit card companies it is a very good idea to always put it in writing and send any correspondence via certified return receipt mail from the post office. In doing so you have legal confirmation that your request or complaint was received and reviewed.
It has been my experience that clients who handle their inquiries to creditors in this manner get results and those who simply call the creditors and expect for the call to take care of the issue get "the run around."
Click on the following links for sample letters that you can use to contact your creditors and dispute problems, transfer balances, close accounts, request new interest rates, change your maiden name to a new married name, close a lost or stolen account, and to dispute fees.
Remember: always make a call and then put it in writing!
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