100+ Canadians Choose Us Weekly – 800+ All 5-Star Reviews – Read real stories here

Learn how to reduce your debt by 50-80% within 5-7 days

Free Debt Consolidation

No contact details required to find out if you qualify

Free Savings Estimate

Get Started

How it Works

Know More

Debt Relief Options

See Your Options

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.

Know more about us and what we can do by clicking on the button below…

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

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.

Dispute a Billing Error and Fraud Charges

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.
Billing Error and Fraud Charges

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.

Credit Card Tips & Advice

Our Clients 5-Star Reviews

Jenny Del
Jenny Del
Read More
Professional and knowledgeable. Sylvana and other team members really gave assurance to help you. I would recommend this company. Great Service!
peacelover мoѕeѕdavιѕ
peacelover мoѕeѕdavιѕ
Read More
These guys Can resolve many types of debt. All types of loans (from student loans to payday loans), taxes, business debt, judgments, garnishments, collections. Too many to mention on text! The feeling of being financially secure is so great and I’d love to share this with you. Am encouraging others to get on board Thank you to Nora Y and Kelly M for such tremendous work towards me I didn’t know where to start and now I can say that am happy and I will definitely recommend others to you guys . You both are AMAZINGLY AMAZING thank you soooooo much for the encouraging powerful words to me now I really believe in myself after this day. I will never forget this as long as I live great Job 🙏🏾.
Sarah H
Sarah H
Read More
So very thankful for Brittany , and the people at N.D.R.S. They have been so helpful and supportive throughout this entire process. I would highly recommend them to anyone who is struggling with debt . With their help and guidance, I felt a big weight has been lifted off my shoulders!

Top 5 Key Benefits of our Ontario Debt Relief Program:

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.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

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.

We will help you compare
the options and savings of all formal debt relief programs available to you.


No contact details required to find out if you qualify

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.

Why Trust National Debt Relief Services?

Debt relief program's accreditation logos
Council for Economic Education

Proud to support financial literacy education

See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
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.
Chantal Rolfe
Chantal Rolfe
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😃
Jennifer Magill
Jennifer Magill
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
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.
Donna Hutchings
Donna Hutchings
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
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
Billy Bong
Billy Bong
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
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.
Jessica Preston
Jessica Preston
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

We Help Over 200+ Ontario Clients Per Day

We're here to help you consolidate your debt.

Get a free savings estimate today. There is no obligation.