Why Is it Hard to Dispute a Credit Card Charge?
Close the Account If your card has been stolen and the thief has made purchases with your card, call the credit card company immediately and tell them to close your account. Contact in Writing You need to send a written letter to the credit card company telling them which of the purchases were not made by you. You also need to file a police report and send a copy of it to the credit card company. Report Illegal Activity Quickly You must call the credit card company within two weeks of the illegal charge to get fully reimbursed. Tell them which charges were made illegally and have them freeze your card. After two weeks and before 60 days you will only get reimbursed for 50 percent of your loss. After 60 days, you won’t get anything back. Stop Payments Don’t make any payments or charges on your card until the issue has been resolved. According to the Federal Trade Commission, “once you report the loss or theft, you have no further responsibility for unauthorized charges.” Start making pa
