

Keep a record of who you spoke with and when. Find the telephone number on your monthly statement or on the back of your card. Start by calling the card company’s customer service number to report the problem. To best protect your rights, review your account statements carefully every month and submit any dispute right away. Consumer protections for credit cards are stronger than protections for debit cards, but some debit card companies voluntarily offer more protections than the law requires. You must notify your credit or debit card company of any error you’re disputing within 60 days of the date that the first statement on which the charge appears was sent to you.

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