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Steps to Dispute Incorrect and Fraudulent Credit Card Billing

It is now more crucial than ever to review your credit card billing account. By doing this on a regular basis, you may safeguard yourself against fraud and billing mistakes that could have an adverse effect on your credit history and, more critically, your financial situation.

For instance, even if you believed you had terminated your internet service, your credit card was still charged for another time. Possible double charges for the same item. Alternatively, it is also possible that you were charged for a service or item you didn't request.

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What is a billing error in a credit card?

An inaccurate or illegal transaction on a credit card statement is referred to as a billing error. This may happen for a number of reasons, such as a merchant error, a processing blunder, or an illegal third-party charge. Duplicate charges, inaccurate amounts, and charges for products or services that were not received are all examples of billing mistakes. It’s crucial to routinely monitor your credit card account and to immediately challenge any inaccuracies.

The Payment Card Networks Act in Canada provides consumers with protection from credit card billing problems. This law establishes guidelines for the security of customer data and the resolution of complaints involving credit card transactions. The statute mandates that financial institutions look into and promptly resolve any billing-related issues. Any unlawful or inaccurate expenditures that appear on a customer’s credit card account are subject to dispute, and the financial institution is required to look into the matter thoroughly before coming to a decision. Consumers can complain to the Financial Consumer Agency of Canada (FCAC) or the Office of the Superintendent of Financial Institutions if the disagreement is not addressed to their satisfaction (OSFI).

 

How to Dispute a Billing Error and Fraud Charges

In Canada, disputing a billing error or fraudulent payment on your credit card can be a difficult procedure, but you must take action to safeguard your financial interests. The procedures you can take to contest a billing error or fraud charge are as follows:

  • Review your statement

Pay close attention to your credit card statement and look for any erroneous or illegal charges. For each mistake or fraud charge, make a note of the time, sum, and name of the merchant.

  • Contact your card issuer

To report a mistake or fraudulent charge, call the customer support number located on the back of your credit card. As you describe the problem, including any information you have learned regarding the alleged error or fraud.

  • Documentation

If asked, give your card issuer any supporting records (such as invoices or emails) that could support your claim.

  • Follow up

Verify that your card issuer is handling your dispute and that you have given them all the relevant information by contacting them again.

  • Think about making a complaint

If your issue is not handled to your satisfaction, you could think about submitting a complaint to the Financial Consumer Agency of Canada (FCAC) or the Office of the Superintendent of Financial Institutions (OSFI).

  • Monitor your account:

Continue to keep an eye on your account to make sure that any fraudulent or erroneous charges have been eliminated and that your account balance is accurate.

 

When disputing a billing error or fraud charge, it’s important to respond quickly to reduce the possible damage on your credit score and financial condition. By taking these actions, you can contribute to your rights’ protection and hasten the issue’s resolution.

 

Are You Looking for Help With Your Unsecured Debts, Including Credit Card Debt?

We can assist you if you have unsecured obligations totaling more than $10,000, including credit cards, personal loans, car loans, taxes, CERB, HST, 407, household bills, payday loans, and student loans.

To get rid of up to 75% of your unsecured obligations, we’ll work with you to design a customized debt relief plan. This implies that the remainder of your debt is forgiven and only a fraction of it has to be paid.

Click here if you want to learn more about The Best Credit Card Debt Relief in Canada.

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Jennifer Chenier
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I was lost ... single mom... off due to Covid for 3 months .. did what it took to pay bills and look after my kids... and left with nothing but a tonne of debt I could not keep up with 😢. And then ....I met Connie.. Connie gave me my life back. The entire experience was like talking to my mother. She was full of compassion and knowledge and took me under her wing for this entire process. She turned tears into smiles and hope . She reassured me.. and made me feel like it was Going to be ok. I can’t thank her and the team (Paul) enough for helping me through this . I highly recommend National Debt Services to anyone looking for help with their debt . Start living again ❤️. Thanks Connie Jen
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I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.
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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.

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the options and savings of all formal debt relief programs available to you.

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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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