Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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Disputing a fraudulent or unauthorized charge on your credit card statement is a very simple and straightforward process. First, and easiest, you can do it on the telephone by calling a customer service rep. You can also do it online on the credit card company's website when you open a statement.
You will be asked to explain the circumstance surrounding the charge and the company will reach out to the merchant for proof of your authorization or that you received whatever you were charged for. While they investigate they will credit your account for the disputed amount.
When they complete the investigation, in about 90 days or so, they will either reinstate the charge, if the merchant proves is validity, or remove it permanently.
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