How to Dispute a Credit Card Billing Error

Billing-error rights under the Fair Credit Billing Act are separate from credit-report disputes. Written notice timing matters.

Check the category

Billing errors can include unauthorized charges, wrong amounts or dates, goods not accepted or delivered as agreed, and missing credits. A quality complaint alone may use a different process.

Protect the 60-day window

To use federal billing-error protections, send written notice to the billing-inquiries address generally within 60 days after the statement containing the error was sent.

Pay the undisputed amount

You can withhold the disputed amount during the investigation, but keep paying undisputed charges and required amounts. Follow current CFPB instructions.

Keep the packet

Save the statement, letter, receipts, merchant messages, and delivery proof. A card dispute does not automatically fix separate credit-report reporting.