Call 4 Action
Watch for errors on credit card bills
MILWAUKEE - Have you noticed an error or an odd charge on a bank or credit card statement?
Before you pay up, pay attention. You may have been charged for something you do not owe.
What kinds of errors might we find?
Watch out for charges from a business or retailer that you do not recognize.
This could be a simple mistake or a sign of fraud.
Compare credit card receipts with what is posted to your statement, especially if you use your card at a restaurant and add the tip on to the bill.
Pay attention to errors regarding late fees and interest, especially if you paid a previous bill in full and on time.
What should you do if you spot an error?
Take action immediately.
In most cases, you will only have 60 days to dispute or correct an error.
If you do not have an address or know the procedure for disputing an error or charge, contact your bank or card issuer by phone to obtain this information.
However, keep in mind, even if you are told by phone that they will look into a charge or put it in dispute, you should also put this in writing and keep proof that it was sent.
What can you do if it is past the 60 days or your bank or card issuer will not issue a credit?
Although you might be out of luck, it is always a good idea to contact your bank or the card issuer and ask if an exception can be made.
You can also contact our Call 4 Action office for assistance.