>>JENNIFER WAUGH: 18 MINUTES BEFORE 8 O’CLOCK AS WE ALL RECOVER FROM A HOLIDAY
SHOPPING. YOU MAY NOTICE A
CHARGE ON YOUR CREDIT CARD
THAT YOU DON’T RECOGNIZE OR,
YOU KNOW, YOU DID MAKE THIS
MORNING, WE WANT TO HELP YOU
BETTER UNDERSTAND HOW TO
LEGALLY DISPUTE THEM. ANY
RODRIGUEZ IS AN ATTORNEY WITH
JAX AREA LEGAL AID AND IS
JOINING US VIA ZOOM THIS
MORNING. GOOD MORNING. THANKS
FOR BEING WITH US. HOW ARE
YOU? SO FIRST, WOULD YOU
EXPLAIN THE KIND OF CHARGES
THAT SHOW UP ON A CREDIT CARD
THAT ARE DISPUTED? WILL?
>> YES, YOU KNOW, TYPICALLY
PEOPLE THINK OF JUST THE
UNAUTHORIZED USE, YOU KNOW,
MAYBE SOMEBODY GOT YOUR CREDIT
CARD. HE LOST IT AND IDENTITY
THEFT. BUT THIS ALSO CHARGES
FOR THE WRONG CHARGES THAT
WERE MADE ON THE WRONG IF AND
IF YOU ORDER SOMETHING AND YOU
DON’T GET THE GOODS AT ALL OR
THEY AREN’T AS DESCRIBED AND
EVEN IF YOU JUST NEED MORE
CLARIFICATION ABOUT A CHARGE
ON YOUR ACCOUNT, THE DISPUTE
PROCESS IS USEFUL.
>>JENNIFER WAUGH: AND SHOULD
YOU START FIRST? AND WITH THE
CREDIT CARD COMPANY WHEN YOU
ARE TRYING TO DISPUTED OR WITH
THE BUSINESS THAT MADE THE
CHARGE.
>> KIND WHAT I WOULD CALL DUAL
TRACKING YOU CAN BE IN CONTACT
WITH THE SOMETIMES YOU CAN
RESULT IN ON THAT LEVEL LEVEL.
BUT I WOULDN’T SLEEP ON YOUR
RIGHTS, TAKE ACTION PROMPTLY
WITH YOUR CREDIT CARD COMPANY
BECAUSE YOU ONLY HAVE 60 DAYS
TO GET A WRITTEN DISPUTE TO
YOUR CREDITOR AND THAT DAY
THAT THAT AMOUNT OF TIME, THAT
TIMEFRAME IS VERY IMPORTANT.
SO I WANT TO MAKE SURE THAT
OUR VIEWERS HEARD THAT CORRECT
CORRECT INCORRECTLY. YOU HAVE
60 DAYS AND TO DISPUTE THE
CHARGE IS SOME CREDIT CARD
COMPANIES AND YOU’VE
EXPERIENCED THIS CERTAINLY
PERSONALLY PROFESSION.
>> CAN CAN REALLY DIG THEIR
HEELS IN THE SAND. SO SO
READING THE FINE PRINT IS
IMPORTANT. I MEAN, WHAT SHOULD
WE LOOK FOR THAN AS A CREDIT
CARD OWNER?
>> SO WITH EVERY CREDIT CARD,
THERE’S A CARD MEMBER
AGREEMENT. YOU YOU KNOW, ME
MAY HAVE GOTTEN IT IN THE
MAIL. IT’S A BUNCH OF FINE
PRINT. IF YOU CAN’T FIND IT IN
YOUR RECORDS, YOU CAN GO
THROUGH YOUR, YOU KNOW, CREDIT
CARD PROVIDER OR SOMETIMES THE
FTC ALSO HAS THAT BUT
BASICALLY YOU’RE GOING WANT TO
LOOK, I’M USUALLY IN THE
BILLING RIGHT SECTION. THERE’S
GOING TO DESCRIBE THEIR WHERE
YOU NEED TO SEND WHAT’S WHAT
THEY ACCEPT AS FAR AS BILLING
DISPUTE, WHETHER IT BE, YOU
KNOW, SOME COMPANIES MAY
ACCEPTED BY EMAIL, BUT
GENERALLY YOU’VE GOT TO MAIL
IT TO A CERTAIN ADDRESS AND
IT’S GOT TO GET TO THEM AND
THAT 60 DAYS, IT’S VERY
IMPORTANT THAT THIS WRITTEN
DISPUTE RECEIVED NEXT 60 DAYS
BY YOUR CREDIT CARD COMPANY.
>>JENNIFER WAUGH: SO SO THEN
DON’T MAKE AN ASSUMPTION THAT
BECAUSE YOU CALLED AND TALKED
TO SOMEONE OVER THE PHONE THAT
IT’S RESOLVED BECAUSE THEY CAN
GET YOU ON THE FINE PRINT IS
WHAT I’M HEARING IN THAT.
>> EXACTLY. AND YOU KNOW, YOU
CAN DISPUTE IT IN YOUR APP.
YOU CAN DISPUTE IT OVER THE
PHONE, THE WRITTEN DISPUTE
UNDER THE FAIR CREDIT BILLING
IS VERY IMPORTANT PIECE OF
THIS PUZZLE. IN CASE THE
CREDIT CARD COMPANY DECIDES
THAT THEY DON’T WANT TO
REVERSE THE CHARGES. AND SO
WHAT SHOULD THAT DISPUTE
CONTAIN? IF YOU’RE MAILING
MISS THAT? YES, YOU KNOW,
BASIC INFORMATION, YOUR NAME,
YOUR FULL ACCOUNT NUMBER, YOUR
BILLING ADDRESS AND THEN YOU
WANT TO LET THE COMPANY KNOW
THE DAY THE AMOUNT THE VENDOR
THAT’S LISTED AS FOR THE
DISPUTED CHARGE. AND THEN YOU
WANT TO EXPLAIN WHY IT’S
INCORRECT AND YOU CAN SEND
DOCUMENTS THAT SUPPORT THIS.
IF YOU HAVE REACHED OUT TO THE
VENDOR AND THEY SAID, YEAH, WE
RECOGNIZE THAT YOU DIDN’T MAKE
THIS CHARGE. YOU SHOULD PUT
THAT IN THE DISPUTE. WRITTEN
DISPUTE TO SEND TO THE CREDIT
CARD COMPANY. AND IF YOU KNOW
IT, IF THEY YOUR DISPUTE, YOU
ALSO HAVE 10 DAYS TO SUBMIT
MORE INFORMATION YOU KNOW, RE
DISPUTE RESTART THE DISPUTE
PROCESS. AND IS THERE A
CERTAIN AMOUNT OF TIME THAT
THEY THEY MEANING THE CREDIT
CARDS ARE COMMITTED TO TO
RESPOND TO YOUR DISPUTE.
>> SURE. SO THEY’VE GOT A LOT,
YOU KNOW, WITHIN 30 DAYS
THEY’VE RECEIVED YOUR DISPUTE.
>> THEY HAVE 90 DAYS TO
INVESTIGATE AND CORRECT THE
ERROR OR EXPLAIN TO YOU WHY
THEY HOLDING THIS TRANSACTION.
AND LIKE I SAID, IF YOU
DISAGREE WITH THAT, YOU HAVE
10 DAYS TO SEND A NEW WRITTEN
DISPUTE.
>>JENNIFER WAUGH: OF THEIR
FINDINGS. AND IS THIS
SOMETHING FOR OUR VIEWERS AT
HOME OR JUST HAVING A HARD
TIME OR MAYBE A BABY WILL
ENCOUNTER ONE AS THEY’RE
LOOKING AT THEIR JANUARY
STATEMENT FROM THEIR DECEMBER
SPENDING. AND, YOU HIRING
ATTORNEYS VERY EXPENSIVE. IS
THIS SOMETHING THE JAX AREA,
LEGAL AID THEN COVERS IN AND
CAN HANDLE FOR ANYONE WHO’S
HAVING PROBLEMS?
>> SALUTE LEE. IF YOU HIT A
DEAD END WITH THE DISPUTE
PROCESS, IF YOU FOLLOW THIS
AND YOU’VE HAD A DEAD END WITH
THE DEUCE, PROCESS FEEL FREE
TO REACH OUT TO US AND APPLY
FOR OUR SERVICES YOU KNOW, WE
DO REPRESENT PEOPLE AND THIS
TYPE OF MATTER. AND THIS IS
FOR CONSUMER TRANSACTIONS. AND
AND I WANT TO POINT OUT IN
CASE YOU HAVE NOT USE JACK
PERRY LEGAL AID BEFORE FOR OUR
VIEWERS ON IT IS A FREE
SERVICE. THEN.
>> WHICH IS FANTASTIC THAT WE