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I’m disputing a charge on my credit card bill. What are my rights while the charge is being investigated?
If you notify the lender in writing within 60 days of the statement, you’re in good shape. You don’t need to worry about paying the charge while you wait for it to be resolved, and you can continue to use your card. The card company, on the other hand, has specific legal responsibilities. The company must respond within 30 days and resolve the problem within 90 days -- otherwise, they can’t collect the disputed amount or any finance charges.Furthermore, the card company cannot file a negative credit report about you while the problem is under dispute.Return to Questions
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