 TITLE: How to Request a Credit Card Chargeback CONTENT: What Is a Chargeback?\n---------------------\nThe term chargeback refers to the process of a credit card company reversing a transaction if it resulted in an incorrect charge. You can request a chargeback if you've been overcharged, were charged for a purchase you didn't make at all, or if the merchant didn't live up to their end of the bargain (undelivered goods, for instance).\nWhen you file a request, the creditor has up to 90 days to investigate. During that time you don't have to pay for the charge you're disputing, but you'll still need to pay the rest of your bill as usual.\nThere's no guarantee that you'll get the result you want from a chargeback request, but if you include documents, like a copy of your receipt from the transaction, you'll increase your chance of success.\nThe Fair Credit Billing Act (FCBA) grants cardholders the right to dispute incorrect charges. Disputing an incorrect bill and requesting a chargeback is fairly straightforward, but each creditor may have a slightly different process. Generally, you'll take the following steps:\n1.  Contact the credit card company. Depending on the creditor, you may be able to do this online, by phone or by mail.\n2.  Explain the error. Be sure to include your contact information, the account number and any documentation you have that supports your claim.\n3.  Wait for your card issuer to investigate. This could take up to 90 days. In the meantime, continue to pay your credit card bill as scheduled and respond to any communication you receive from the creditor. Your card issuer may remove the transaction in question from your bill while the chargeback is investigated. END