Comments on: How to Dispute a Credit Card Purchase

By: Michael Lach

Michael Lach — Sat, 31 Oct 2009 04:33:43 +0000

I also found a non profit that had lawyer style credit dispute letters. BestCreditRepairLetters.com is a site ran by volunteer credit repair experts that offers credit dispute letters for credit inquires, late comments, collections, charge-offs, etc. They have examples on the website that show their letters work.

By: Michael Lach

Michael Lach — Wed, 30 Sep 2009 03:51:41 +0000

I found that disputing credit report inquiries is a real pain! Used to be easier but now all the credit bureaus are just sending form letters out. I now prefer to pay $15 and let a non profit group do it. http://www.removemycreditinquiries.org is the Inquiry Removal Site. They also remove delinquency credit card comments which have a negative impact.

By: Phil Radomsky

Phil Radomsky — Thu, 26 Mar 2009 16:37:58 +0000

I rented a car 10 months ago fro Europcar. I returned the car full of gas, no damage, paid in full. I received a $25 charge on my credit card 10 months after doing business! I am now in the dispute process through Mastercard. Does anyone know how long companies can legally keep your credit card numbers after you do business with them?….Keep your receipts!!!!
P.

By: Roy

Roy — Thu, 11 Dec 2008 21:03:39 +0000

Our dispute with Discover card has been a learning experience. We purchased furniture (floor models) from a company that sells “custom made furniture only”. We refused delivery because the leather was not buffed on two of the pieces as stated by sales person. We asked for a refund and told “we don’t give refunds, you will have to reselect”. I called Discover and disputed the almost $2000 dollar charge ASAP. Told that the furniture store has the final say if they will refund our credit card. Also told that the furniture company can replace our order with another model of similar quality if they choose.
The Discover rep told me that I can dispute the results of the first dispute. Like what good would that do!

By: Paul Singh

Paul Singh — Mon, 16 Jun 2008 04:27:44 +0000

Fighting (and perhaps even detecting) credit card fraud can be a total pain. A few years ago, my wife and I spent ~8 months fighting some fraudulent activity on our accounts. When we finally got it all straightened out, we vowed to never allow ourselves to get into the same situation again.

Today, we use an American Express Platinum charge card for all non-cash purchases – in the few times we’ve had some exposure, AmEx has either (1) called us first to verify a charge or (2) simply refunded the amount in question and fought the dispute on their own. For us, the piece of mind is definitely worth the yearly fees. (Bonus: They automatically extend warranties on purchased items, include 24/7/365 concierge services along with many other things – definitely worth checking out.)

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By: SherryLove@sherrylove.net

SherryLove@sherrylove.net — Sat, 14 Jun 2008 22:33:40 +0000

Credit card fraud is an absolute nightmare. When I began to purchase things online, I was very hesitant giving out credit card number. After I purchased something, I had to check and recheck the credit statement so see if there is any thing suspicion going on. I really hate it if I have to deal with credit card company. My moto is: better safe than sorry”.

PS: have just visited your TIP DAD site, great site. I feel a DAD brand blogs is coming. Keep up the good work!

By: squawkfox

squawkfox — Sat, 14 Jun 2008 19:37:07 +0000

A few years ago I had to dispute about 15 charges on my CIBC card. All charges were for parking in the same lot on the same day. Since I don’t even own a car to park, I thought the whole situation weird. My card company quickly credited my account without issue. Perhaps reporting fraud on credit cards is easier in Canada?

By: Ron@TheWisdomJournal

Ron@TheWisdomJournal — Sat, 14 Jun 2008 02:41:43 +0000

These are some great tips. With the proliferation of debit and credit cards, and the rise in identity theft, disputing charges will become a cottage industry…I predict! Just pay me a percentage of what you save–in cash.