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Important information

• Additional Info:

  The Fair Credit Billing Act, which helps consumers resolve disputes regarding credit card accounts, applies to all online, mail, telephone and retail transactions. The following disputes are covered. 1. Charges not made by the consumer or anyone authorized to use the account. 2. Incorrect charges for which the wrong amount or date is shown. 3. Charges for goods and services the consumer did not accept or were not delivered as agreed. 4. Computational or similar errors. 5. Failure to reflect payments or other credits. 6. Not mailing or delivering bills to the consumer's current address (provided a change of address was given at least 20 days before the end of the billing period.) 7. Charge for which consumers request an explanation or written proof of purchase. A written notice must reach the creditor within 60 days of the first appearance of the charge on the bill. The letter to the creditor should include: name, account number, statement of why the bill is incorrect and dollar amount involved, and documents supporting your claim, i.e. copies of the order printout, bill, sales slip etc... The consumer need not pay the disputed amount or any relevant finance charged while the bill is under dispute, but should pay all other charges not related to that amount. During the dispute period, the creditor cannot report the account to the credit agency or take any action. If the customer does not win the dispute, that amount must be paid as well as finance charges accumulated during the investigation period.