Credit card: how to dispute a transaction

If you notice anomalies in the list of movements in the statement of your credit card (transaction made several times by mistake), remember that you have available 60 days from the receipt of the declaration to contest the ruling.

After this time all the movements of the statement shall be deemed approved full effect. Operations to easily reconstruct the period and provide useful evidence, you should always save your receipts and expenditure.

The letter of dispute must spell out how much is in dispute and the reasons for the dispute.

You should also attach:

copy of the statement.
copy of the receipt, invoice or receipt issued by the operator.
photocopy of the front and back of your credit card.
all documentation relating to the transaction in question.
What you should do always as Prevention:

Disputing a transaction of a credit carddispute-credit-card-transaction

It is a good rule to always keep your receipts and expenditures with credit card until the regularity of statement is checked.

Chances are processed response time may be long.

To avoid erroneous charges would be a good idea to carefully review the receipt issued by the operator.

Credit cards are preferred even with service alarm immediately alerts via SMS when a transaction.

Checking receipts or SMS can play directly to the operator for any typographical error and you are ready to put a solution instantly.

Somewhat more complicated is the cloning of stolen credit card, for which, in addition to the charges you should immediately make a complaint about the police.

Sample letter of dispute or complaint

Subject: Abnormal movements of the transactions of creditcard

The user …………………………………………………………………………… born and resident in the road ……………………… .. … ………………………, head of the No. ………………………… credit card with expiration date ………………………

It states that:

On the date ______ / ______ / __________ receipt number. For the period _____________________________ _____________________

This statement contains the following entry in debt:

Amount of € _________________ given operation on the date ______ / ______ / __________

Here say all legal disputes, [spell out his case in accordance with the following examples]

He never made any purchases of that product, nor has never authorized any person to use your credit card.

or carried out one operation, but the same amount was charged several times by the operator.

or the purchase is made but did not use the credit card, but if by check, cash, etc. The relationship of the transaction canceled attached [is the case when it comes to using credit card, but problems with the telephone line of the transaction appears to be successful.]

or [have completed the transaction for an amount less than the defendant, as evidenced by its receipt attached.]

Requests:

Moderators way controls are conducted and appropriate action is taken for the investment of the funds misused in account No. ………………………………………………… (name of bank ).

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