@Remedios wrote:
@Anonymous wrote:
I don't mean to hijack this thread but I think is relevant. Years ago I remember (possibly incorrectly) that disputes were always to be sent by mail to preserve legal rights. Is that still (or was it ever) the case?
You are thinking of disputes with CRAs
There is nothing you can send for fraud investigation, it's all done on their end, if there is even an investigation
They dont even bother with smaller amounts unless they detect a particular pattern either with type of fraud or consumers who happen to have frequent incidents (or rather large sums involved in "fraud").
It still is the case if you are "dissatisfied with your credit card purchase" For example from my current statement:
Your Rights If You Are Dissatisfied With Your Credit Card Purchases: If you are
dissatisfied with the goods or services that you have purchased with your credit card,
and you have tried in good faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the purchase. To use this right all of
the following must be true:
1) The purchase must have been made in your home state or within 100 miles of your
current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement
we mailed to you, or if we own the company that sold you the goods or services.)
2) You must have used your credit card for the purchase. Purchases made with cash
advances from an ATM or with a check that accesses your credit card account do not
qualify.
3) You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact
us in writing at ...
