The seller might fix the problem. If not, you have a few ways to proceed.
When should I dispute a charge for something I bought with my credit card?
Contact your credit card company to see whether you can dispute a charge. In some cases, the credit card company can reverse the charge. This is sometimes called a chargeback.
When should I claim a billing error for something I bought with my credit card?
Billing errors can happen for a number of reasons. It can be considered a billing error to be charged for a purchase when you did not receive what you ordered or did not accept delivery of the purchased items. You should send a notice about a billing error to your credit card company within 60 days of the charge appearing on your credit card statement. You can look up your credit card agreement to see if your company provides more details about handing billing errors.
When is it okay to refuse to pay the rest of the amount of my purchase?
If you’ve only paid part of the cost of a service or product purchased with a credit card—including through an option from your credit card to split your payments—you may have the right to not pay the remaining amount. In general, the requirements are:
- You tried in good faith to resolve the issue with the seller
- You made your purchase in your home state or within 100 miles of your home address
- The price of the service or product was more than $50
- You used your credit card—including the card’s own service for splitting your payments—to pay for the purchase
- You have not yet fully paid for the product or service
If you purchased the item through a “buy now, pay later” service that is not offered by your credit card, your rights are different.
If you’re having trouble with a credit card, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372).
