File a credit card billing dispute under the Fair Credit Billing Act. 60-day deadline, required documentation, and what happens next. This guide is customized for Bakersfield residents with California-specific consumer protection information.
Bakersfield Local Tip: Bakersfield's energy economy means utility disputes are common — California PUC handles regulated utility complaints.
California law: Consumer Legal Remedies Act (CLRA) (Cal. Civ. Code § 1750) — treble damages available — private right of action
Identify the charge you want to dispute. Note the date, amount, and merchant name. You have 60 days from the statement date to file under the FCBA.
Collect receipts, emails, screenshots, or any evidence showing the charge is incorrect. Include cancellation confirmations if disputing a subscription.
Call or email the merchant directly. Many disputes can be resolved without involving your card issuer. Document the date, time, and who you spoke with.
If the merchant won't resolve it, write a dispute letter to your credit card company citing 15 USC § 1666 (FCBA). Include your account number, the disputed charge details, and why it's wrong.
Mail your dispute letter to your card issuer's billing inquiries address (not the payment address). Send certified mail with return receipt requested.
Your issuer must acknowledge within 30 days and resolve within 90 days or two billing cycles. During investigation, they cannot report the disputed amount as delinquent.