I Didn t Buy That
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
I Didn’t Buy That!
Summary:
Finding an unfamiliar charge on your credit card statement can be alarming. Though not common, it’s important to know how to handle such situations effectively. Here’s a guide to help you resolve these issues.
Article Body:
Have you ever opened your credit card statement only to spot a charge for something you didn’t purchase? It doesn’t happen often, but when it does, knowing the right steps can save you time and stress.
Contacting the Merchant:
Your first step should be to contact the merchant. If the merchant’s number isn’t on your statement, your credit card company can provide it. As an online coat rack seller, we've received calls from people questioning charges. Often, a brief conversation about our products reminds them of their purchase, resolving the issue quickly.
Escalating to Your Credit Card Company:
If you don’t get a satisfactory answer from the merchant, reach out to your credit card company. U.S. purchases are protected under the Federal Truth in Lending Act and the Fair Credit Billing Act, overseen by the FDIC. You can find more information at fdic.gov.
Credit card disputes should be resolved within 90 days. After your initial call, send a registered letter to your card issuer, detailing your complaint and including any supporting documents. Paying the disputed amount in the meantime can prevent interest or late fees, and any resolved discrepancies will result in a credit to your account.
What if the Dispute Isn’t Resolved?
If the credit card company still holds you responsible, they will need a copy of your purchase receipt and signature. If the merchant can’t provide these, or if there’s a mismatch, the card company may reverse the charges.
Monitoring Your Credit:
Check your credit report annually for free to spot any fraudulent activity early. Identity thieves may use your information to request new credit cards. Look for any unfamiliar accounts or requests in your report. If you find any, contact the lender immediately to cancel the fraudulent accounts.
By taking these steps and staying vigilant, you can effectively manage any unauthorized charges on your credit card.
You can find the original non-AI version of this article here: I Didn t Buy That .
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