When you contact the credit card issuer, give the card issuer all of the following information: (.
In the case of a billing error where the obligor alleges that the creditor's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such .
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The Fair Credit Billing Act is designed to protect consumers from unfair billing practices.
The act provides a path for consumers to dispute billing errors or unauthorized charges and requires that credit issuers investigate and resolve them..
The consumer's rights under the billing error provisions in § 1026
13 are independent of the provisions set forth in § 1026
12 (b) and (c)( See comments 12 (b)-4, 12 (b) (3)-3, and 12 (c)-1
) 1 Time for resolutionOnce a consumer has disputed a billing error, the creditor is required to respond to the dispute without the consumer being required to pay the disputed amount until investigations have been completed
The following are some of the common errors that are recognized under the FCBA:
For purposes of this section, the term billing error means: A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer's credit card or open-end credit plan
Actual, implied, or apparent authority