Disputing credit card charges
There have been a couple of times where I have disputed credit card charges in the past, but they were relatively straightforward. Once, I was charged twice for the same item, and could not contact the company via customer service. I contacted the credit card company, and it was taken care of almost immediately. The second time, I was charged 10 times the correct price, and had the original receipt. Again, the process was relatively straightforward.
Once a year, I tend to make small charges to all of our cards in order to keep them active. I did this last month, and starting paying our bills last night. Imagine my dismay when I found that one card had a balance of $62.10 instead of $2.10! There was a $60 charge for a subscription to American Quarterhorse. Not only was I clueless about what an American Quarterhorse subscription entails, but I was surprised because the $2.10 charge is the first time I have ever used the card for anything except a balance transfer. This particular card sits in a drawer at home.
I immediately called the credit card company, and they are going to look into it. I hope it gets resolved in a timely manner like the others!
In general, even though some credit cards allow you to file a dispute online, I like to call and talk to a person. Getting a name and specific information helps put my mind at ease.
Have you ever had a mystery charge on a card? What did you do?
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