![]() When you receive the shoes, they’re the wrong color or size.You buy a pair of shoes for $59, and when the credit card bill arrives, the charge is $559.The following are examples of charges that could qualify for a credit card dispute: Understanding the types of problems covered by the FCBA is an important part of correctly using a chargeback. It also covers services and products not provided as agreed upon. The Fair Credit Billing Act (FCBA) allows credit card users to dispute charges that involve billing errors and fraud. To help you avoid a similar fate, here’s our definitive guide to credit card disputes. ![]() And, as you’ll read about momentarily, when misused, that “weapon” can implode on a consumer, with disastrous results. But unfortunately, the chargeback process is one of the most misunderstood and misused consumer protection tools that exist today. ![]() Used properly, credit card disputes can be a powerful weapon in battles against unscrupulous merchants - or outright scammers. Requests to clean up the aftermath of chargebacks gone wrong have flooded our helpline since the coronavirus crisis began. That is until the Elliott Advocacy team got involved.Īnd she’s not alone. However, her misunderstanding of the limitations of the chargeback process almost led to a $1,000 loss. Petra Murdrock was one of those consumers. During the pandemic, many frustrated travelers have filed credit card disputes, hoping to fast-track refunds.
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