Verify the Error

• If you monitor your credit card purchases online or on the phone, you are likely to notice an error right away. Contact the credit card company customer service number listed on the back of your card for information. If you do not notice the error until you receive a statement, you will find the details for filing a dispute on the back of the statement. It is best to contact the credit card company by phone to verify the error and initiate the dispute.
  
  

Dispute the Charge

• Even though an overcharge is disputed by the phone, it is always best to send a letter directly to the credit card company. The letter should specify the date of the transaction and explain the error. Additional supporting documents can be helpful, such as a sales receipt. The letter and documents should be mailed to the address specified on the back of the statement or provided by customer service.
  
  

Wait for a Decision

• The credit card company will review the information from you and the merchant to make a decision. It can take up to six weeks for a decision to be reached. If the credit card company determines an overcharge occurred, the proper amount will be credited to the card. If the dispute is not decided in your favor, you may want to consider contacting an attorney.