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No contact details required to find out if you qualify
Checking your credit card billing statement every month is now more important than ever. By doing this regularly, you can protect yourself from possible credit card billing errors and fraud which may impact your financial health and most importantly your credit history.
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For instance, you cancelled your internet subscription but yet was charged for the next billing period. You might have been erroneously charged twice for the last billing period or for a different product or service you did not purchase or subscribe to.
A billing error is any mistake on a bill that could result in a charge or fee that is incorrectly applied to a consumer’s credit card account.
As a consumer, you are protected by the Fair Credit Billing Act. According to the law, consumers have 60 days after the first bill that states the error to contact the credit card company to dispute the charges.
The Fair Credit Billing Act provides you with certain consumer protection, including the right to dispute the charges and to be notified about the decision or outcome of the investigation.
This occurs when someone uses your credit card, credit card information, or credit account to make a transaction you didn’t authorize.
This can happen either in person or through online purchases. That is why proper safeguard of credit cards, account and credit card numbers, PINS or security codes, and secure online transactions are a must.
Fraudsters can also perform a transaction without a physical credit card on hand, this is possible if they have your account number, credit card number, PIN, or security code.
Fraudulent transactions in credit cards are treated differently compared to billing errors. For you to take advantage of the $0 liability against a fraudulent transaction on your credit card, you must contact your credit card company within 2 billing cycles.
Federal Law prevents your creditors from charging you for more than $50 in fraudulent transactions. In addition to calling your credit card company to report fraud, the Federal Deposit Insurance Corporation also recommends that you file a police report.
1. Consistently Check Your Monthly Credit Card Statement
Before making your payment towards your credit card bill, double check the billing statement and ensure that the charges corresponds to your actual purchases or transactions.
This will help you identify potential fraud and avoid any future unauthorized transactions. This will also help you recognize any potential error in your billing which will enable you to immediately take necessary action by contacting your credit card provider, when and if needed.
2. Contact The Merchant
To verify a transaction, you may contact the merchant to confirm when exactly and how the transaction was performed. You could also ask for some information that can help your credit card company to investigate how the billing error or fraud happened.
3. Call Your Credit Card Provider
To dispute the fraud charges or any billing error against your credit card, you need to contact your credit card company and provide the following information below in order to help them identify the charges and conduct proper investigation:
If this is an error in billing or a potential fraud charges, make sure to provide proof or documentation and offer all relevant information so they can easily decipher the situation and provide you the proper resolution.
To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.
No contact details required to find out if you qualify
We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.
Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!
Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.
SEE IF YOU QUALIFY TO:
No contact details required to find out if you qualify
A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.
Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.
No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.
The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.
This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.
If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.
After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.
A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score.
National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.
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