Disputing a Credit Card Bill - Revision history

Drew Jackson: /* Go deeper */

2023-11-07T00:54:24Z

Go deeper

← Older revision		Revision as of 00:54, 7 November 2023
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	===Go deeper===		===Go deeper===

	If you’re looking to go further, we have more detail on the steps to dispute a credit card bill. [https://www.peopleslawschool.ca~~/everyday-legal-problems/money-debt/credit-cards~~/disputing-credit-card-bill See our in-depth coverage of this topic].		If you’re looking to go further, we have more detail on the steps to dispute a credit card bill. [https://www.peopleslawschool.ca/disputing-credit-card-bill/ See our in-depth coverage of this topic].

	==Who can help==		==Who can help==

Drew Jackson: /* Step 5. Contact an ombudsperson */

2023-11-07T00:24:17Z

Step 5. Contact an ombudsperson

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	===Step 5. Contact an ombudsperson===		===Step 5. Contact an ombudsperson===

	You may be wondering, ombudsperson, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsperson. This is a bank employee who helps customers resolve their disputes with the bank.		You may be wondering, ''ombudsperson'', what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsperson. This is a bank employee who helps customers resolve their disputes with the bank.

	Check your credit card issuer’s ombudsperson policy. The Canadian Bankers Association provides a contact list for the ombudsperson offices for most Canadian banks. [https://cba.ca/resolving-problems-with-your-bank Visit their website].		Check your credit card issuer’s ombudsperson policy. The Canadian Bankers Association provides a contact list for the ombudsperson offices for most Canadian banks. [https://cba.ca/resolving-problems-with-your-bank Visit their website].

Drew Jackson: /* Step 5. Contact an ombudsman */

2023-11-07T00:24:00Z

Step 5. Contact an ombudsman

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	It may take your credit card issuer a few weeks to investigate. In the meantime, keep paying your credit card bill. Otherwise, you may be charged interest on the balance. You should get a refund if your dispute is successful.		It may take your credit card issuer a few weeks to investigate. In the meantime, keep paying your credit card bill. Otherwise, you may be charged interest on the balance. You should get a refund if your dispute is successful.

	===Step 5. Contact an ~~ombudsman~~===		===Step 5. Contact an ombudsperson===

	You may be wondering, ~~ombudsman~~, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ~~ombudsman~~. This is a bank employee who helps customers resolve their disputes with the bank.		You may be wondering, ombudsperson, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsperson. This is a bank employee who helps customers resolve their disputes with the bank.

	Check your credit card issuer’s ~~ombudsman~~ policy. The Canadian Bankers Association provides a contact list for the ~~ombudsman~~ offices for most Canadian banks. [https://cba.ca/resolving-problems-with-your-bank Visit their website].		Check your credit card issuer’s ombudsperson policy. The Canadian Bankers Association provides a contact list for the ombudsperson offices for most Canadian banks. [https://cba.ca/resolving-problems-with-your-bank Visit their website].

	===Go deeper===		===Go deeper===

Drew Jackson: /* Step 4. Pay your bill */

2023-11-07T00:23:14Z

Step 4. Pay your bill

← Older revision		Revision as of 00:23, 7 November 2023
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	It may take your credit card issuer a few weeks to investigate. In the meantime, keep paying your credit card bill. Otherwise, you may be charged interest on the balance. You should get a refund if your dispute is successful.		It may take your credit card issuer a few weeks to investigate. In the meantime, keep paying your credit card bill. Otherwise, you may be charged interest on the balance. You should get a refund if your dispute is successful.

	===Step 5. Contact an ombudsman		===Step 5. Contact an ombudsman===

	You may be wondering, ombudsman, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsman. This is a bank employee who helps customers resolve their disputes with the bank.		You may be wondering, ombudsman, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsman. This is a bank employee who helps customers resolve their disputes with the bank.

Drew Jackson at 00:22, 7 November 2023

2023-11-07T00:22:11Z

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	==Work out the problem==		==Work out the problem==

	~~===The steps involved===~~
	Here are the steps to dispute a charge on your credit card bill.		Here are the steps to dispute a charge on your credit card bill.

	~~'''~~Step 1~~'''~~. Confirm the charge ~~isn’t~~ valid		===Step 1. Confirm the charge isn't valid===

	~~'''Step 2'''~~. ~~Contact~~ the business		Make sure it’s a real mistake. For example, you may not recognize a transaction because it was posted late; or maybe the business uses more than one name. Check your files. Does the charge match your credit card receipts?

	~~'''Step 3'''~~. ~~Contact~~ the credit card ~~issuer~~

	~~'''Step 4'''. Pay your bill~~

	~~'''Step 5'''. Contact an ombudsman~~

	===~~More on each step===~~		===Step 2. Contact the business===
	~~'''~~Step ~~1. Confirm the charge isn't valid'''<br>~~
	~~Make sure it’s a real mistake~~. ~~For example, you may not recognize a transaction because it was posted late; or maybe~~ the business ~~uses more than one name. Check your files. Does the charge match your credit card receipts?~~

	~~'''Step 2. Contact the business'''<br>~~
	The quickest way to get a charge off your credit card bill is to speak directly to someone at the business. Call and explain what’s happened. Give them any evidence you have (such as a receipt number). They’ll often be able to fix things on the spot and refund your money.		The quickest way to get a charge off your credit card bill is to speak directly to someone at the business. Call and explain what’s happened. Give them any evidence you have (such as a receipt number). They’ll often be able to fix things on the spot and refund your money.

	Create a paper trail — or an electronic trail — of the dispute. Keep a record of everything that happened. Save copies of all emails and letters.		Create a paper trail — or an electronic trail — of the dispute. Keep a record of everything that happened. Save copies of all emails and letters.

	~~'''~~Step 3. Contact the credit card issuer~~'''<br>~~		===Step 3. Contact the credit card issuer===

	If you can’t solve the problem with the business — or if you suspect fraud or identity theft — contact the credit card issuer right away. The clock is ticking. There’s often a short time window to bring a dispute. (Your monthly statement will tell you if that’s the case.)		If you can’t solve the problem with the business — or if you suspect fraud or identity theft — contact the credit card issuer right away. The clock is ticking. There’s often a short time window to bring a dispute. (Your monthly statement will tell you if that’s the case.)

	Many financial institutions have dedicated phone lines just for credit card issues. Do your homework before you call. Have all your details ready, including the date and description of the charge.		Many financial institutions have dedicated phone lines just for credit card issues. Do your homework before you call. Have all your details ready, including the date and description of the charge.

	~~'''~~Step 4. Pay your bill~~'''<br>~~		===Step 4. Pay your bill===

	It may take your credit card issuer a few weeks to investigate. In the meantime, keep paying your credit card bill. Otherwise, you may be charged interest on the balance. You should get a refund if your dispute is successful.		It may take your credit card issuer a few weeks to investigate. In the meantime, keep paying your credit card bill. Otherwise, you may be charged interest on the balance. You should get a refund if your dispute is successful.

	~~'''~~Step 5. Contact an ombudsman~~'''<br>~~		===Step 5. Contact an ombudsman

	You may be wondering, ombudsman, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsman. This is a bank employee who helps customers resolve their disputes with the bank.		You may be wondering, ombudsman, what’s that? It’s a person who resolves complaints from the public. If you’re still having problems, and your credit card was issued by a bank, a further option is the bank ombudsman. This is a bank employee who helps customers resolve their disputes with the bank.

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	===Go deeper===		===Go deeper===

	If you’re looking to go further, we have more detail on the steps to dispute a credit card bill. [https://www.peopleslawschool.ca/everyday-legal-problems/money-debt/credit-cards/disputing-credit-card-bill See our in-depth coverage of this topic].		If you’re looking to go further, we have more detail on the steps to dispute a credit card bill. [https://www.peopleslawschool.ca/everyday-legal-problems/money-debt/credit-cards/disputing-credit-card-bill See our in-depth coverage of this topic].

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	:'''People’s Law School'''		:'''People’s Law School'''
	:See more options for free or low-cost legal help.		:See more options for free or low-cost legal help.
	:[https://www.peopleslawschool.ca/options-legal-help~~/?utm_source=beagle~~ Visit website]		:[https://www.peopleslawschool.ca/options-legal-help Visit website]

	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
	{{Dial-A-Law Copyright}}		{{Dial-A-Law Copyright}}

Elena Renderos: Elena Renderos moved page Credit Cards (No. 247) to Disputing a Credit Card Bill: change title

2023-10-11T05:24:13Z

Elena Renderos moved page Credit Cards (No. 247) to Disputing a Credit Card Bill: change title

← Older revision		Revision as of 05:24, 11 October 2023
(No difference)

Elena Renderos at 06:38, 2 October 2023

2023-10-02T06:38:29Z

Show changes

Drew Jackson at 21:57, 29 March 2019

2019-03-29T21:57:55Z

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	{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}		{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}
	We use them all the time — to make purchases, shop online, and collect points. Credit cards are practical and convenient. Knowing your rights relating to credit cards can limit problems.		We use them all the time — to make purchases, shop online, and collect points. '''Credit cards''' are practical and convenient. Knowing your rights relating to credit cards can limit problems.

	==Understand your legal rights==		==Understand your legal rights==
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	:Web: [http://www.nomoredebts.org/ nomoredebts.org]		:Web: [http://www.nomoredebts.org/ nomoredebts.org]


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Elena Renderos at 07:57, 28 March 2019

2019-03-28T07:57:32Z

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	{{~~Dial~~-~~A-Law Blurb~~}}		{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}

	{{Dial-A-Law TOC\|expanded = ~~credit~~}}
	We use them all the time — to make purchases, shop online, and collect points. Credit cards are practical and convenient. Knowing your rights relating to credit cards can limit problems.		We use them all the time — to make purchases, shop online, and collect points. Credit cards are practical and convenient. Knowing your rights relating to credit cards can limit problems.

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	:Web: [http://www.nomoredebts.org/ nomoredebts.org]		:Web: [http://www.nomoredebts.org/ nomoredebts.org]



	~~[updated October 2017]~~

	~~'''The above was last reviewed for legal accuracy by [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company.'''~~

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Drew Jackson: Drew Jackson moved page Credit Cards (Script 247) to Credit Cards (No. 247): Aligning title to new website

2019-03-13T01:28:34Z

Drew Jackson moved page Credit Cards (Script 247) to Credit Cards (No. 247): Aligning title to new website

← Older revision		Revision as of 01:28, 13 March 2019
(No difference)