Fair Credit Billing Act - Keep Your Credit Score Good!

Consumers' rights to contest illegal charges, charges with inaccuracies, and undelivery of goods or services are described in the Fair Credit Billing Act (FCBA). A modification to the Truth in Lending Act, the FCBA mandates that lenders tell their customers their rate.

Seeking to stay out of legal hotbeds with your credit card? Look only at the FCVA! You may be sure you're in good hands since our maximum liability for illegal credit card usage is $50.

Here we can assist you in grasping your consumer rights and how to challenge mistakes on official government websites. See the FTC website for additional information.

Get A Fair Credit Billing Act To Protect Your Credit.

Seeking defense against unjustified billing issues? Here to assist is the Fair Credit Billing Act. This statute addresses circumstances like credit reports, billing mistakes, and more. Following the FCVA will help you to keep protected and do your share!

Illegal or dishonest charges
Charges displaying erroneous date or value
Charges on products or services misrepresented
Charges on goods or services that weren't provided
math mistakes
Announcements sent to the incorrect address
dubious fees

Get Help Disputed Your Credit Or Debit Charge Under The Fair Credit Billing Act!

We advise you to get in touch with our customer care staff should you have inquiries regarding your account or billing. Our staff is here around the clock to assist you in finding responses to your inquiries. Our customers should have a seamless experience with our business and reliable information from us. Please don't hesitate to get in touch with us should you have more questions!

To dispute a charge, send the creditor:

Your name and address:
Your number for accounts:
a breakdown of the billing mistake

Seeking correct payment of your bills? For billing inquiries, make sure you forward this letter to the address of the creditor! This guarantees the correctness and appropriate payment.

Seeking a consistent and reasonably priced legal counsel? Look no further than FCBA. From the first research to the last ruling, we will handle anything for you.

You have sixty days after getting your bill to contest the charge.
Your creditor has thirty days to recognize the conflict.
Your creditor has two billing cycles to finish the investigation.
You have ten days to contest the investigative findings.

Seeking a method to have your creditor rapidly credit your account free from late penalties or charges? Look only at our reliable website! We can assist you maximize your credit score and fix any errors so you may concentrate on paying your expenses.

Protecting Your Consumer Rights When Using A Credit Card

The FCVA offers dispute-settling processes to fix credit card statement mistakes. Also covered are defenses against illegal charges.

Protect Your Card And Get The Best Consumer Rights Possible

Should your credit card be lost or stolen, you are entitled to immediately report theft to your credit card provider. This will help reduce your liabilities and guard you against any unapproved charges going forward.

If you discover it stolen before it's used, you're not liable for any charges.
Should charges be made before credit card theft is reported, you could be responsible for up to $50.
Should your credit card number be taken—perhaps via a skimmer—it is handled as though your card were stolen.

Just say no to merchant disputes!

Should you need to dispute a charge with a merchant over the quality or receipt of goods or services purchased on a credit card, the Fair Credit Billing Act can assist. There is no billing mistake here, hence the dispute process does not apply. Still, you could pursue similar legal action against the merchant personally.

IToqualify for this protection, you must meet two requirements:

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The purchase had to have totaled more than $50.

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Other Consumer Rights You Should Know

Seeking means to raise your credit score? Look no further than protected websites under the Fair Credit Billing Act. These websites provide detailed steps to raise your score, thereby enabling you to feel confident with your credit record.

Under the FCBA, businesses that offer you an open line of credit must:

Send you a written notification outlining your right to challenge invoicing mistakes.
For every time you owe money or get a financing charge, send a billing statement.
Send your credit card bill a minimum of twenty-one days before your due date.
Send your open-end credit bill at least fourteen days before a minimum payment is due and before any finance charges are applied.
Record all payments to your account on the date they arrive.
Immediately credit or refund overpayments and other sums due to your account.

Faqs About The Fair Credit Billing Act

Are you curious whether your product still falls under the Fair Credit Billing Act? Here's the solution for you.

Indeed, the Fair Credit Billing Act is presently operative. Starting on your free credit report right now

Why Was The Fair Credit Billing Act Created?

Fair Credit Billing Act Guards Against Unfair Credit Practices

Does the Fair Credit Billing Act Apply To You?

The FCVA addresses billing disagreements involving an open-end credit account. The legislation does not apply to loans including mortgages vehicle loans or debit cards.

Don't Be Left Out In The Cold - Dispute A Non-Refundable Charge!

You can resolve a disagreement with your credit card provider without paying. Fair Credit Billing Act addresses nonrefundable fees.

Do You Think Your Credit Score Goes Down After A Dispute?

Usually, filing a billing dispute has no bearing on your credit. A billing conflict, however, differs from a credit report conflict in several ways.

How Long Do I Have To Notify My Creditor If I Move?

You have to tell your creditor at least 20 days before your billing cycle expires if you wish to break out from your present contract without penalty.

Seeking a means of correcting erroneous credit report entries? You only need to look at Credit Repair Services! Our knowledgeable staff can assist you in handling any issues resulting from Fair Credit Billing Act infractions.

Call right now (888) 804-0104.