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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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What should I do if I disputed a charge on my credit card but it is still on my statement?

Answer:

If you sent your credit card company a written billing error notice within 60 days of the company sending you the statement showing the error, the card company should acknowledge the billing error notice within 30 days of receiving it. However, the card company is allowed to take up to two billing cycles to resolve any errors it finds. 

While your billing dispute is pending, the amount in dispute may still show up on your statement. You are not required to pay this amount and the statement should tell you that. If you do pay the disputed amount and the card company finds that you are right, you are entitled to a credit. If the card company says that you are incorrect and the bill is correct, the card company must tell you why in writing. It must also tell you how much you owe and when your payment is due.


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