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Credit Card Tips & Advice | How to Dispute a Billing Error and Fraud Charges

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.

What is a Billing Error

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.

What Billing Errors Are Covered

  • Federal law limits your responsibility for unauthorized charges to $50;
  • charges that list the wrong date or amount;
  • charges for goods and services you didn’t accept or that weren’t delivered as agreed;
  • math errors (calculation errors);
  • failure to post payments and other credits, like returns;
  • failure to send bills to your current address — assuming the creditor has your change of address, in writing, at least 20 days before the billing period ends; and
  • charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification.

Fraudulent Transactions

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.

How to Dispute Credit Card Fraud Transactions and Errors in Billing

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:

  • The amount of transaction
  • The date and time of the transaction
  • The Merchant
  • The method of transaction

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.

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Frequently Asked Questions

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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I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
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Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
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I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
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Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
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Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
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Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

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