Merchant Disputes
Merchant disputes arise when consumers are not satisfied with the goods or services that are obtained by credit card. There are procedures available to the credit card holder in these instances.
Although there may be individual differences between the various credit card companies, the general procedure for seeking redress is similar. A merchant dispute may be filed if the purchase cost was more than 50 dollars, was made in state of residence or within 100 miles of mailing address. A letter must be sent to merchant stating that the consumer is not satisfied, and why. The consumer’s contact and credit information should be included, along with a description of any products that are being returned.
A copy of this letter should be sent to the credit card company and another kept for the consumer’s records. Then, a letter should be written to the credit card company indicating that the consumer wishes to dispute a charge. All credit and contact information for the consumer should be included, as well as the seller’s contact information and description of the product or service in question, along with any supporting documentation. A copy of this letter should also be kept for the consumer’s records.