When claims are denied, consumers often ask what they need to do in order to reassert a claim. Although you cannot simply file the same claim once a dispute has been resolved, you may be able to reassert a credit card claim if you have found additional supporting evidence or if there are other irregularities involved in the disputed transaction.
Reasons for Credit Card Disputes
The most common reason to dispute charge on your credit card account is due to potentially fraudulent transactions. If there are charges you did not authorized or purchases you did not make you have rights under the law to have those problems investigated by the lending bank.
However, there are other details which may cause you to wonder how to reassert a credit card claim. If you have not paid the amount in dispute, you can potentially resurrect the claim.
You cannot reassert a credit card claim if you have paid the disputed amount. If you paid only part of the amount you can make a claim for the unpaid portion.
Start With Your Friends and Family
In some cases, you may discover additional information that sheds light on a disputed claim that may cause your lender to re-evaluate your argument. One sad fact of credit card fraud is that it’s often a friend or family member who makes unauthorized charges to your account.
There have been many documented cases of family members using credit cards without being authorized user or even creating new credit accounts using a relative’s name and credit history for approval.
The first time you disputed a charge on your credit card the lender may have disallowed the correction as there was not clear evidence of a fraudulent transaction.
If you refuse to pay that amount and later find a family member has been make purchases to your credit card account without your knowledge, knowing how to reassert a claim is valuable information.
Fraudulent Activity or Billing Errors?
Unrecognized charges on your credit card statement may be due to fraud or may be errors in billing by the lender. If you make purchases online, you may inadvertently have signed up for a recurring payment without realizing it.
Reading the fine print of some websites where specific product lines are sold you may notice a conditions that authorizes the seller to ship product to you monthly when you order any of their items.
You may not realize what has happened until a month or two later when you have a charge to the same company on your credit card statement. You may contact the lender and if the charge is small it may be quickly removed without much investigation.
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Consumers are Resourceful Today
When credit card lenders began offering air miles as an incentive, it wasn’t long before a few savvy travelers learned to maximize the use of those air miles to their benefit.
You may apply for certain credit cards over other offers because of the rewards program they offer. If the rewards are earned easily by making purchases that are common ones for you and your family, why not benefit by using the rewards option to the maximum?
Credit card users who want to lower their bills may resort to a few tricks to reassert a claim with a credit card company. You may dispute a purchase that you did not make (or don’t remember making) or dispute charges for goods you did not receive. In some cases, you can dispute charges for services you were not pleased with or good shipped that you refused when they were delivered.
You may dispute a bill that has errors in the math or has terms added that you were not notified about as the law requires. You can even ask the lender to provide proof that a charge was made.
How can you reassert a claim with a credit card company? By arguing with any charge that you don’t recognize and refusing to pay that charge until the claim has been investigated or the charge proven. You have 60 days from the time you receive your monthly statement to dispute any charges that appear.
