You must have first made a good faith attempt to resolve the issue with the seller.The charge must exceed $50, unless your card issuer says otherwise.You must have made the purchase within 100 miles of your current billing address.However, there are additional stipulations: The FCBA also states that you can file a dispute with your card issuer if you make a legitimate charge but have a problem with the goods or service you paid for – for example, if the quality of the goods didn’t match what was advertised, or they were defective. If you wait longer, it’s not guaranteed your credit issuer will acknowledge the dispute. From the day you receive the erroneous bill, you have 60 days to file a dispute. ![]() Installment loans or similar extensions of credit are not covered. Only “open-ended” credit accounts – accounts like credit cards or department store accounts where you can make repeated withdrawals and payments – are covered by the FCBA.
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