If you believe your credit card company has made a billing error, or you are unsatisfied with a purchase, you have certain protections under the Fair Credit Billing Act. Examples of billing errors are:
If you think your credit card bill has an error, contact your credit card company within 60 days of receiving the bill with the error. Some companies may accept e-mail; others will require that you put your dispute in writing. Be sure you have the following information available:
If there is an error, you will not have to pay interest charges on the disputed amount. Your account must be corrected.
If there is no error, the credit card company must send you an explanation and a statement of what you owe.