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How long can the card issuer take to resolve my credit card billing error dispute?

The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it cannot take longer than 90 days.

If you’ve noticed a billing error on your credit card statement and sent a written letter disputing the charge to your credit card company, they must acknowledge your dispute by sending you a billing error notice within 30 days of when they received your letter.

They have two billing cycles – generally two months or 60 days – to investigate the error, but they can’t take more than 90 days. In the meantime, they’re not allowed to charge you interest on the amount being disputed.

If the card issuer determines no billing error occurred, they must mail or deliver an explanation of the reasons why they’ve rejected your dispute.

If the card issuer determines a billing error has occurred, then they must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you.

If you’re disputing part of a payment you’ve made for a faulty or defective product, you may have the right not to pay the remaining amount, but all of the following generally must be true:

  • You must have first tried in good faith to resolve the issue with the merchant who sold you the product or service.
  • You must have made your purchase in your home state or within 100 miles of your home address.
  • The price of the service or product must have been more than $50.
  • You must have used your credit card to pay for the purchase.
  • You must not yet have fully paid for the product or service.

Learn more about credit cards