How to
How to dispute a credit or debit card charge (chargeback): deadlines, the letter and your rights
Short answer
Call the card company, then send a written dispute to its billing-error address so it arrives within 60 days after the first statement showing the charge was sent. It must answer within 30 days and resolve it within 90. You owe at most $50 for unauthorized credit card use; report a lost debit card within 2 business days.
Letter generator · 3 dispute types
Write your card dispute letter
Built from the federal billing-error and debit-card rules: what the notice must say, where it goes, and the 60-day clock · checked Oct 21, 2026
What kind of dispute is it?
Each rule comes from the official source linked in the result. It runs on your device: nothing you type is stored or sent. General information, not legal advice.
Key points
- The deadline
- Your written notice must reach the card company within 60 days after it sent the first statement that shows the charge. Call too, but on a credit card the letter is what protects your rights.
- Billing errors
- A charge you didn't make, the wrong amount, or goods not delivered as agreed is a billing error. The company must acknowledge it within 30 days and resolve it within two complete billing cycles, never more than 90 days.
- Your limit
- Credit card: $50 at most for unauthorized use. Debit card: $50 if you report a lost card within 2 business days, up to $500 after that, and more if you never report within 60 days of the statement.
- Bad goods
- Accepted something that turned out defective? After a good-faith try with the seller, you may refuse to pay what you still owe on it if it cost more than $50 and you bought it in your state or within 100 miles of home.
A charge you didn't make, a wrong amount, or something you paid for and never got can be disputed with your card company, and federal law sets the deadlines on both sides. The Fair Credit Billing Act covers credit cards and the Electronic Fund Transfer Act covers debit cards, and both run on the same clock: 60 days from the statement that first shows the problem. On a credit card, the written notice to the billing-error address is what starts the company's deadlines; on a debit card, a phone call counts, but the bank can ask you to confirm it in writing.
Below: which rule covers your charge, what to do first, the credit card billing error rules, what to do when you accepted goods that turned out bad, the most you can owe for unauthorized use, the debit card rules, how a card network chargeback differs, all four side by side, what to put in the letter and where to send it, what to say on the phone, and what to do if the answer is no. The generator at the top writes the letter. This page explains the law; it is not legal advice.
Which rule covers your charge?
It depends on two things: which card you used and what went wrong. The questions below point to the part of this page that applies. In short:
| If… | What to do | Good to know |
|---|---|---|
| Credit card, and the charge is not yours, is the wrong amount, or is for something not delivered or not accepted as agreed | Dispute it as a billing error: call, then send a written notice that arrives within 60 days after the first statement showing it was sent. | Fair Credit Billing Act, 15 U.S.C. § 1666; Regulation Z, 12 C.F.R. § 1026.13. |
| Credit card, and you accepted the goods or services but they turned out defective or not as described | Try to fix it with the seller first. If that fails, you may refuse to pay what you still owe on that purchase under the claims and defenses rule. | 15 U.S.C. § 1666i; 12 C.F.R. § 1026.12(c). For purchases of more than $50, in your state or within 100 miles, with exceptions. |
| Debit card or another electronic transfer from your bank account that you didn't make, or that was for the wrong amount | Report it to the bank right away, by phone or in writing, and no later than 60 days after the statement was sent. A lost or stolen card or PIN: within 2 business days after you learn of it. | Electronic Fund Transfer Act; Regulation E, 12 C.F.R. §§ 1005.6, 1005.11. |
| Debit card, and you bought something that was bad or never came | Contact the seller, then ask the bank to dispute it with the merchant under the card network's rules: a chargeback. | Regulation E's error list is about unauthorized and wrong transfers and bank mistakes, not the quality of what you bought. |
| You paid by Zelle, a wire, a gift card or crypto, or a scammer talked you into paying | Different rules apply. See Scam recovery for what to do for each way you paid. | Act the same day: the sooner you report, the more can be stopped. |
Quick guide
Credit or debit, and what went wrong?
1. Which card did you use?
What went wrong with the credit card charge?
What went wrong with the debit card or bank transfer?
It points to the part of this page that fits, in the page's own words. Nothing you choose is saved or sent. Not legal advice.
What to do first, step by step
- Find the statement. Find the first statement, paper or online, that shows the charge, and note its date. Your 60 days count from when the company sent that statement, not from when you opened it. CFPB: How to fix mistakes in your credit card bill
- If you didn't make the charge, call the card company now. Use the number on the back of the card or on your statement, or report it in the app or online. Let them know about the problem right away, ask them to open a dispute, and write down the date, the name of the person and the claim number. CFPB: How do I dispute a charge on my credit card bill
- If it's a problem with a purchase, contact the seller. Explain what is wrong and ask for a refund or to undo the charge; the seller may fix it. Keep the emails, chat records and notes of calls. For goods you accepted that turned out bad, this good-faith attempt is required before the claims and defenses rule applies. CFPB: How can I get a refund on a product or service I purchased with my credit card
- Send the written notice. Send it to the address the statement gives for billing errors or billing inquiries, not the payment address, so that it arrives within 60 days. Certified mail with a return receipt gives you proof of what the company got. The generator at the top writes it. FTC: Using credit cards and disputing charges
- Pay the rest of the bill. On a credit card you can hold back the disputed amount and related charges while it is investigated, but pay the undisputed part on time. 12 C.F.R. § 1026.13(d)(1)
- Keep a file. Copies of the letter, the mailing receipt, the statement, the seller's replies, and the dates of every follow-up call. CFPB: How do I dispute a charge on my credit card bill
- Watch the next statements. Check that the charge comes off, or that a note says you don't have to pay it until the investigation is done. CFPB: How to fix mistakes in your credit card bill
Credit card billing errors: the Fair Credit Billing Act
The Fair Credit Billing Act and Regulation Z give you a formal dispute process with deadlines the card company must meet. It applies to credit card accounts and other open-end credit, such as a store card. 15 U.S.C. § 1666 · 12 C.F.R. § 1026.13
- What counts as a billing error. A charge that you, or someone you allowed, didn't make; a charge not properly identified on the statement; goods or services you didn't accept or that weren't delivered as agreed (the wrong item, the wrong quantity, late, or to the wrong place); a payment or credit not posted; a math error; a charge you ask them to explain or document; and a statement not sent to your current address, if you gave them that address in writing at least 20 days before the billing cycle ended.12 C.F.R. § 1026.13(a) · 15 U.S.C. § 1666(b) · Official Interpretation 13(a)(3)-1
- Quality is different. If you accepted the goods and later found them defective, that is not a billing error. Use the claims and defenses rule below, or ask for a chargeback.Official Interpretation 13(a)(3)-1.ii
- The 60 days. Your written notice must reach the company within 60 days after it sent the first statement that shows the error. If the company holds statements for you to pick up, the date is when it first made the statement available.15 U.S.C. § 1666(a) · 12 C.F.R. § 1026.13(b)(1) · Official Interpretation 13(b)(1)-3
- Where to send it. To the address the statement gives for billing errors or billing inquiries. The company can refuse a note written on the payment slip if its billing rights statement says so.12 C.F.R. § 1026.13(b)(1) · Official Interpretation 13(b)-2
- What it must say. Enough for the company to identify your name and account, that you believe there is an error and why, and, where you can, the type, date and amount. The full account number is not required if the company can find your account from what you give.12 C.F.R. § 1026.13(b)(2)-(3) · Official Interpretation 13(b)(2)-1
- 30 days to acknowledge. The company must send you a written acknowledgment within 30 days after it receives your notice, unless it has already resolved the dispute in that time.12 C.F.R. § 1026.13(c)(1)
- Two billing cycles, 90 days at most, to resolve. It must correct the error, or explain in writing why it believes the bill is right, within two complete billing cycles after it receives your notice, and never later than 90 days. For goods you say were not delivered, it cannot treat the charge as correct unless it finds they were actually delivered, mailed or sent, and tells you so.12 C.F.R. § 1026.13(c)(2) · 15 U.S.C. § 1666(a)
- While it investigates. You don't have to pay the disputed amount or the related finance or other charges, and the company can't try to collect it, report it as delinquent, or close or restrict your account only because you disputed in good faith. It may count the amount against your credit limit and collect the undisputed part. If you pay through the card company's own autopay plan, from any bank account, it must not take the disputed amount when your notice arrives at least 3 business days before the payment date.12 C.F.R. § 1026.13(d)(1) to (d)(4) · Official Interpretation 13(d)(1)-4
- Interest on the disputed amount. The CFPB says that once you have given written notice, the card company cannot charge interest on the amount in dispute while it investigates, and if you pay the whole bill except that amount you keep your grace period on new purchases. If it finds an error, it must also credit the related finance charges. If it decides you owe the amount, it may then bill the interest that built up during the dispute, unless your account had a grace period when you disputed: then you get that grace period to pay without new interest.CFPB: Can they charge me interest on a charge I told them I did not make? · 12 C.F.R. § 1026.13(e)(1) · Official Interpretations 13(d)(1)-3, 13(g)(1)-1, 13(g)(2)-1
- If it decides you owe it. It must tell you in writing why, how much you owe and when it is due, and send copies of its evidence if you ask. It must give you your account's grace period, or 10 days, whichever is longer, to pay before it reports the amount as late. If you tell it in writing within that time that you still dispute it, it may report the amount as late only if it also reports that you dispute it and tells you who got the report.12 C.F.R. § 1026.13(f)-(g) · Official Interpretation 13(g)(3)-1
- If it breaks these rules. A card company that does not follow them loses the right to collect the disputed amount and its finance charges, up to $50.15 U.S.C. § 1666(e)
- Day 0
The company sends the first statement that shows the charge.
- By day 60
Your written notice must arrive at the billing-error address.
- Within 30 days of arrival
A written acknowledgment, unless the dispute is already resolved.
- Within 2 billing cycles, 90 days at most
The correction, or a written explanation of why the company believes the bill is right.
- If it decides you owe it
A notice of what you owe and when, and your grace period or 10 days, whichever is longer, to pay before it can report the amount as late.
You accepted it, but it was defective: claims and defenses
When you paid by credit card and the seller won't fix a problem with what you bought, you can raise against the card company the same claims and defenses you have against the seller, and refuse to pay what you still owe for that purchase. The CFPB calls it the right to not pay the remaining amount. It works separately from the billing error rule; when goods were not delivered, you can use both. 15 U.S.C. § 1666i · 12 C.F.R. § 1026.12(c) · Official Interpretation 12(c)-1
- Try the seller first, in good faith. You must have made a good-faith attempt to resolve it with the seller. No special form or letter is needed, and you don't have to go to the manufacturer. If the seller is in bankruptcy, you can go straight to the card company.12 C.F.R. § 1026.12(c)(3)(i)(A) · Official Interpretation 12(c)(3)(i)(A)-1
- More than $50, in your state or within 100 miles. The purchase must cost more than $50 and be made in the same state as the mailing address you gave the card company, or within 100 miles of it. For online, mail and phone orders, where the purchase happened is decided by state law.15 U.S.C. § 1666i(a) · 12 C.F.R. § 1026.12(c)(3)(i)(B)
- When those two limits don't apply. When the seller is the card company itself, is controlled by it or under common control with it, controls it, is a franchised dealer in its products, or sold to you through a mail offer the card company made or took part in. A store that only accepts the card doesn't count.15 U.S.C. § 1666i(a) · 12 C.F.R. § 1026.12(c)(3)(ii)
- Only what you still owe. You can hold back up to the amount still owed for that purchase when you first tell the card company or the seller, plus related finance or other charges. If you have already paid it off, this rule gives nothing back; a billing error notice within 60 days, or a chargeback, may still work.15 U.S.C. § 1666i(b) · 12 C.F.R. § 1026.12(c)(1)
- No late report while it is open. The card company may not report the amount you hold back as delinquent until the dispute is settled or a court decides it. It may report the amount as disputed, and it must investigate reasonably, using information from you and, if possible, the seller, before it treats the dispute as settled.12 C.F.R. § 1026.12(c)(2) · Official Interpretation 12(c)(2)-1, -2
- Credit cards only. This rule doesn't cover a debit card purchase or a cash advance you then spent. For a debit card, ask the bank about a chargeback.Official Interpretation 12(c)-3 · 12(c)(1)-1
Debit cards and bank transfers: what the bank must do
For a debit card, an ATM, an online transfer or any other electronic transfer from your bank account, the Electronic Fund Transfer Act and Regulation E set the rules. An error includes a transfer you didn't make, the wrong amount, a transfer missing from your statement, a bank math error, the wrong amount of cash from an ATM, and your request for documents or an explanation. 15 U.S.C. § 1693f · 12 C.F.R. § 1005.11(a)
- 60 days, by phone or in writing. The bank must follow the error rules for a notice it receives within 60 days after it sends the statement that first shows the error. You can call, but the bank may ask you to confirm in writing within 10 business days, and must then tell you where to send it.12 C.F.R. § 1005.11(b)(1) · 12 C.F.R. § 1005.11(b)(2)
- 10 business days to investigate. The bank must investigate and decide within 10 business days, tell you the result within 3 business days after that, and fix an error within 1 business day of finding it.12 C.F.R. § 1005.11(c)(1)
- Or provisional credit, and up to 45 days. If it needs longer, it can take up to 45 days, but only if it credits your account provisionally within 10 business days and gives you full use of the money while it investigates. On an unauthorized transfer it may hold back up to $50 of that credit. If it asked you to confirm in writing and you didn't within 10 business days, it need not give the provisional credit.12 C.F.R. § 1005.11(c)(2)
- 90 days for debit card purchases. The 45 days become 90 days for a debit card purchase at a store's terminal, or by mail or phone, for a foreign transaction, and for a transfer within 30 days after the first deposit to a new account. For a new account, the 10 business days become 20 business days.12 C.F.R. § 1005.11(c)(3) · Official Interpretation 11(c)(3)-1
- If the bank says there was no error. It must explain its findings in writing and tell you that you can ask for the documents it relied on. When it takes back a provisional credit, it must tell you the date and amount, and keep paying your checks and preauthorized payments for 5 business days after that notice without overdraft charges.12 C.F.R. § 1005.11(d)
- No delay for paperwork. The bank may ask you for a signed statement, but it may not hold off starting or finishing the investigation while it waits for it.Official Interpretation 11(b)(1)-2
- 2 business days
- Report a lost or stolen card or PINTo keep your share at $50 or less.
- 60 days
- Report an error on a statementCounted from when the bank sends the statement.
- 10 business days
- The bank decides, or credits you provisionally20 business days for a new account.
- 45 days
- The longest investigation90 days for debit card purchases, foreign transactions and new accounts.
Card network chargebacks: what your bank can do beyond the law
The CFPB says that in some cases the card company can reverse a charge, and that this is sometimes called a chargeback. A chargeback runs under the card network's own rules and your bank's procedures, not under a federal statute, so its time limits and the papers it needs are the ones your bank gives you. This page states no numbers for it, because they come from the networks' and banks' own rules, not from a law. CFPB: How can I get a refund on a product or service I purchased with my credit card
- Ask early, and ask for the deadline. When you call, ask the bank how long you have for a chargeback and what it needs from you, and write the answer down.
- Debit cards: for a purchase that went wrong, this is the bank's route. The law's quality rule, claims and defenses, is for credit cards only.
- Credit cards: you don't have to choose. Ask for a chargeback and also send the billing-error notice within 60 days, so the legal deadlines protect you whatever the network decides.
- The merchant can answer. The bank may ask the merchant for its side, such as proof of delivery. Send the bank your own evidence, and keep copies.
- If the bank decides against you, it can take back a provisional credit, and a credit card company can bill you for the amount it finds you owe. You can still sue the seller in small claims court, after a demand letter.
The four routes side by side
These are federal rules, so they are the same in California, Texas, Florida, New York and every other state. A state law or your agreement can only lower what you owe for unauthorized use.
| Rule | Credit card: billing error | Credit card: problem with what you bought | Debit card: unauthorized or wrong | Network chargeback |
|---|---|---|---|---|
| The law | Fair Credit Billing Act, 15 U.S.C. § 1666; Regulation Z, 12 C.F.R. § 1026.13 | 15 U.S.C. § 1666i; Regulation Z, 12 C.F.R. § 1026.12(c) | Electronic Fund Transfer Act, 15 U.S.C. §§ 1693f, 1693g; Regulation E, 12 C.F.R. §§ 1005.6, 1005.11 | The card network's rules and your bank's procedures; no federal statute sets the steps |
| What it covers | A charge you didn't make, the wrong amount or date, goods or services not delivered or not accepted as agreed, a charge you want explained, a payment not posted, a math error | Goods or services you accepted that turned out defective or not as described, after the seller would not fix it | A transfer you didn't make or allow, the wrong amount, a transfer missing from your statement, a bank math error | What the network's rules allow, which can include a bad purchase on a debit card |
| Your deadline | Written notice must arrive within 60 days after the first statement showing it was sent | No fixed federal deadline, but you can hold back only what you still owe when you first notify the card company or the seller | Notice by phone or in writing within 60 days after the statement is sent; a lost or stolen card or PIN within 2 business days after you learn of it | Set by the network and your bank: ask right away |
| Most you can owe for unauthorized use | $50, and nothing after you report it (15 U.S.C. § 1643(a)) | Not the issue here | $50 if you report a lost card within 2 business days; up to $500 after that; transfers after the 60 days if you never report | Not set by law |
| Conditions | In writing, to the billing-error address | A good-faith attempt with the seller; a price of more than $50; bought in your state or within 100 miles of your mailing address, unless the seller is the card company or related to it | By phone or in writing; the bank may ask you to confirm in writing within 10 business days | The bank's own requirements |
| What they must do | Acknowledge in writing within 30 days; resolve within two complete billing cycles, never later than 90 days | Investigate reasonably before treating the dispute as settled | Decide within 10 business days, or credit you provisionally within 10 business days and finish within 45 days (90 days for debit card purchases, foreign transactions and new accounts) | Follow the network's procedure |
| Can you hold back payment? | Yes: the disputed amount and related charges, while they investigate | Yes: up to what you still owe for that purchase, plus related charges | The money has already left your account; a provisional credit gives it back during a long investigation | Ask your bank |
| Credit reports | Can't be reported as delinquent while it is investigated | The amount you hold back can't be reported as delinquent until the dispute is settled or a court decides | A bank account is not a credit account | Ask your bank |
What to put in your dispute letter, and where to send it
The generator at the top builds the letter from your answers. Whatever you use, include these, in this order. The FTC lists your name, address, account number and a description of the mistake; Regulation Z adds the amount and why you believe it is wrong. FTC: Using credit cards and disputing charges · 12 C.F.R. § 1026.13(b)
- Your name and address, and the card company's billing-error address. The address for billing disputes is on your statement and may be different from the address where you send payments. CFPB: How to fix mistakes in your credit card bill
- The account, by its last 4 digits. The generator asks only for the last 4 digits, never the full card number. The law requires only that the company can identify your account from what you give; if it asks for the full account number, write it on the printed letter by hand. Official Interpretations 13(b)(2)-1 and 11(b)(1)-1
- The charge. The merchant's name as it appears on the statement, the date, the amount, and the date of the statement it first appeared on.
- Why it is wrong. One to three sentences: you didn't make it, you were charged twice, the amount is wrong, it never arrived, or you returned it. For a quality dispute, say what was wrong and when you contacted the seller.
- What you want. Remove the charge, correct the amount, or credit back what you paid, with the related finance charges and fees.
- Copies, not originals. Attach copies of the statement, receipts, the order, tracking, photos and your messages with the seller.
- Sign, date and send it in a way you can prove. The FTC says certified mail with a return receipt gives you proof of what the card company got. Keep a copy of the letter as proof that you wrote. FTC: Using credit cards and disputing charges · CFPB: How to fix mistakes in your credit card bill
What to say on the phone
“Have you contacted the merchant?”
You can say: “I'm disputing this as a billing error. Please open a dispute, give me the claim number, and tell me the address for written billing-error notices.”
“We'll take care of it on the phone.”
You can say: “Thank you. I'm also sending a written notice to your billing-error address, so the dispute is on record under the Fair Credit Billing Act.”
“You still need to pay your full balance.”
You can say: “I'll pay everything except the disputed amount and the related charges, which the law lets me hold back while you investigate.”
“All sales are final.”
You can tell the seller: “What I got is not what we agreed. If we can't fix this, I'll dispute the charge with my card company.”
“We need a signed form before we can investigate.”
You can tell the bank: “I'll send it. I understand you can't hold off the investigation while you wait for it.”
“We've decided the charge is valid.”
You can say: “Please send me the reasons in writing and copies of the documents you relied on.”
Write down who you talked to, when, and what they said, and keep the claim number with your copy of the letter.
If the card company or bank says no
| If… | What to do | Good to know |
|---|---|---|
| They say the charge is correct | Ask for the reasons in writing and copies of the documents they relied on. They must give them if you ask. | 12 C.F.R. § 1026.13(f) · 12 C.F.R. § 1005.11(d) |
| You still disagree (credit card) | Tell them in writing, within the time they give you to pay, that you still dispute it. They may then report the amount as late only if they also report that you dispute it and tell you who got the report. | 12 C.F.R. § 1026.13(g) |
| They missed the deadlines | A card company that broke the billing error rules loses the right to collect the disputed amount and its finance charges, up to $50. A bank that gave no provisional credit within 10 business days and did not investigate in good faith, or had no reasonable basis for its finding, can owe three times your damages in court. | 15 U.S.C. § 1666(e) · 15 U.S.C. § 1693f(e) |
| Nobody will help | Submit a complaint to the CFPB online or by calling (855) 411-2372. The CFPB sends it to the company, and most companies respond within 15 days. | CFPB: Submit a complaint |
| The seller still owes you | Send the seller a demand letter, then file in small claims court. | Bring the statement, your dispute letter and the company's answer. |
| A wrong late mark shows on your credit report | Dispute it with the credit bureau too. See Credit report errors. | Keep the card company's correction notice: it is your proof. |
Getting help
The CFPB takes complaints about credit cards and bank accounts and forwards them to the company. Legal aid can read your letter before it goes out, and a lawyer can tell you whether a missed deadline gives you a claim. CFPB: Submit a complaint
Common questions
How long do I have to dispute a credit card charge?
Your written notice must reach the card company's billing-error address within 60 days after it sent the first statement showing the charge. Call right away too. A card network chargeback can have its own time limit, which your bank sets: ask for it when you call.
Can I dispute a charge I agreed to if the product was bad?
Often, yes. If it was never delivered, or not delivered as agreed, it is a billing error: send the notice within 60 days. If you accepted it and it turned out defective, the claims and defenses rule lets you refuse to pay what you still owe on it, after a good-faith try with the seller, if it cost more than $50 and you bought it in your state or within 100 miles of home. You can also ask for a chargeback.
Will disputing a charge hurt my credit?
While a credit card company investigates a billing error, it can't report the disputed amount as delinquent. If it decides you owe it, it must give you your account's grace period, or 10 days, whichever is longer, to pay before reporting it as late. If a wrong late mark appears anyway, see Credit report errors.
Can the merchant fight a chargeback?
Yes. The card company or bank may ask the merchant for its side, such as proof of delivery. For goods you say were not delivered, a credit card company can't treat the charge as correct unless it finds they were actually delivered, mailed or sent, and tells you so. Send your own evidence and keep copies.
What if my card was stolen and used?
Call the card company or bank right away. On a credit card, you owe at most $50, and nothing for use after you report it. On a debit card, report within 2 business days after you learn of the loss to keep your share at $50 or less; later, it can be up to $500.
Does the Fair Credit Billing Act apply to debit cards?
No. Debit cards are covered by the Electronic Fund Transfer Act and Regulation E: report errors within 60 days of the statement, and the bank generally has 10 business days to investigate, or up to 45 days with a provisional credit (90 days for debit card purchases). A bad purchase on a debit card is a matter for a chargeback.
Do I have to contact the merchant first?
Not for a charge you didn't make, and not for goods that weren't delivered or accepted as agreed: you can go straight to the card company. For goods you accepted that turned out bad, the claims and defenses rule requires a good-faith attempt with the seller first. Contacting the seller is often the fastest fix anyway.
What if I already paid the bill?
You can still dispute a billing error within the 60 days, but the CFPB says you probably won't get the money back until the card company decides you were right. The claims and defenses rule only covers what you still owe on the purchase.
Official sources
- 15 U.S.C. § 1666, Fair Credit Billing Act: correction of billing errors (§ 1666(a) written notice within 60 days, acknowledgment in 30 days, two complete billing cycles and 90 days; § 1666(b) billing errors; § 1666(e) forfeiture up to $50) govinfo.gov
- 15 U.S.C. § 1666i: claims and defenses against the card issuer (§ 1666i(a) good-faith attempt, more than $50, same state or within 100 miles, exceptions; § 1666i(b) amount of credit outstanding) govinfo.gov
- 15 U.S.C. § 1643: liability of the holder of a credit card (§ 1643(a): not in excess of $50) govinfo.gov
- 15 U.S.C. § 1693f, Electronic Fund Transfer Act: error resolution (ten business days, provisional recredit, 45 days; § 1693f(e) treble damages) govinfo.gov
- 15 U.S.C. § 1693g(a), Electronic Fund Transfer Act: consumer liability for unauthorized transfers ($50, $500, two business days, sixty days, extended travel or hospitalization) govinfo.gov
- Regulation Z, 12 C.F.R. § 1026.13 (CFR revised as of January 1, 2025): billing error resolution (§ 1026.13(a) billing errors; § 1026.13(b) notice within 60 days; § 1026.13(c) 30 days, 2 complete billing cycles, 90 days; § 1026.13(d)(1) withholding and 3 business days for autopay; § 1026.13(e), (f), (g) after resolution, 10 days) govinfo.gov
- Regulation Z, 12 C.F.R. § 1026.12 (CFR revised as of January 1, 2025): unauthorized use and claims and defenses (§ 1026.12(b) $50 limit; § 1026.12(c)(1) withholding; § 1026.12(c)(2) no adverse credit report; § 1026.12(c)(3)(i)(A) good-faith attempt; § 1026.12(c)(3)(i)(B) more than $50, 100 miles; § 1026.12(c)(3)(ii) exclusions) govinfo.gov
- Regulation E, 12 C.F.R. § 1005.6 (CFR revised as of January 1, 2026): liability for unauthorized transfers (§ 1005.6(b)(1) two business days, $50; § 1005.6(b)(2) $500; § 1005.6(b)(3) 60 days; § 1005.6(b)(4) extension; § 1005.6(b)(6) lower limit) govinfo.gov
- Regulation E, 12 C.F.R. § 1005.11 (CFR revised as of January 1, 2026): procedures for resolving errors (§ 1005.11(b) notice within 60 days; § 1005.11(b)(2) written confirmation within 10 business days; § 1005.11(c) 10 business days, provisional credit, $50, 45 days, 90 days, 20 business days; § 1005.11(d) no error found, 5 business days) govinfo.gov
- Regulation Z, 12 C.F.R. Part 1026 with Supplement I (Official Interpretations), CFR revised as of January 1, 2025: comments 12(b)(1)(ii)-1 and -3, 12(b)(2)(iii)-3, 12(c)-1, 12(c)-3, 12(c)(1)-1, 12(c)(2)-1 and -2, 12(c)(3)(i)(A)-1, 12(c)(3)(i)(B)-1, 13(a)(3)-1 and -3, 13(b)-2, 13(b)(1)-3, 13(b)(2)-1, 13(c)(2)-1, 13(d)(1)-3 and -4, 13(g)(1)-1, 13(g)(2)-1, 13(g)(3)-1 govinfo.gov
- Regulation E, Supplement I to Part 1005 (Official Interpretations), CFR revised as of January 1, 2026: comments 6(b)(3)-1 and -2, 6(b)(4)-1, 11(b)(1)-1, 11(b)(1)-2, 11(c)(3)-1 (debit card purchases at a store, by mail and by phone) govinfo.gov
- CFPB: How do I dispute a charge on my credit card bill? (written billing error notice within 60 calendar days; 30 days to confirm; disputing a charge you already paid) consumerfinance.gov
- CFPB: How can I get a refund on a product or service I purchased with my credit card? (contact the seller first; chargeback; billing error; refusing to pay the rest: good faith, home state or 100 miles, more than $50) consumerfinance.gov
- CFPB: Can they charge me interest on a charge I told them I did not make? (no interest on the disputed amount; grace period kept) consumerfinance.gov
- CFPB: How to fix mistakes in your credit card bill (1/2021): five steps, the billing-dispute address, 60 days, 30 days and two billing cycles files.consumerfinance.gov
- CFPB: How do I get my money back after I discover an unauthorized transaction or money missing from my bank account? (10 or 20 business days, provisional credit, 45 or 90 days) consumerfinance.gov
- CFPB: Submit a complaint about a credit card or bank account ((855) 411-2372; most companies respond within 15 days) consumerfinance.gov
- FTC: Using credit cards and disputing charges (letter within 60 days to the billing-inquiries address, certified mail with return receipt) consumer.ftc.gov
- FTC: Lost or stolen credit, ATM and debit cards ($50 credit card limit; $50, $500 and 60 days for ATM and debit cards) consumer.ftc.gov
Related
This page explains the law in general terms. It is not legal advice about your situation. Justice is not a law firm and is not affiliated with any court or government agency.