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jimosborne306@btinte... | How can i make a complaint about my credit card company? |
On holiday in the USA i got billed by my credit card company for someone elses room bill. I payed170USD cash towards the bill.
This was not taken off the billed amount. The bill given to me at the hotel on checkout was in an envolope on not signed by me.
The credit card company and myself have tried to contact the hotel
accounts but have had no cooperation.The credit card company has not contacted me twice when they said they would.This has been going on from september. Help!!! |
 |
 
Gatsby216
|
Sorry I am confused. You said you were charged for someone elses room? Or were you double charged for your room? Meaning you paid cash and then you charged on the credit card? If it is the first, then the dispute should be simple.
1. Immediately file a WRITTEN dispute with your credit card company. Send it regular mail and certified. If it was a Visa, MC, AmEx, etc there should be a set process. Phones calls are usually worthless.
The letter should be simple, On Sept X, 2006 I was charged $y by company ABC. I did not authorize this charge. I am disputing this charge. Please reverse this charge immediately.
The problem is when YOU try to solve thier problems. From your comments I am sure this is what is happening. Don't worry about the credit card company or the hotel. You want to stand on the most simple and defensable position. In general these type of charges are prima facia reversable, meaning you say it is diputed and not authorized, reverse it. DO NOT get into any other discussions, this is just giving the credit card company a way to say lets wait, or look into this later, or just forget about it. The time for you to dispute the account may be at or nearing expired. So send the letter today. |
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elly
|
Try the Financial Services Authority in London. website: fsa.gov.uk. |
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J K
 |
Try Bank, Card provider, police, your local MP, then get a lawyer if all that crap doesn't work. |
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corezink
|
If it comes down to it you can contact your state Attorney Generals office and ask for assistance. Sometimes they will help and sometimes they just don't care. It depends on the state. Also there are some free consultation places in some states where you can get information from lawyers as to what you can do and if you need to get one involved. If the credit card company is at fault, you may be able to set it up where they have to pay any attorney fees incurred. |
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heyho B
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I would give them a phone if you still don't get any help then i would suggest you write a letter of compliant to your credit ard company giving full details of that happened..give them a while to respond ( this can take up too 51 days) .. if that doesn't work contact your local CAB and thay will help you fright the case. |
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reynwater
|
On the back of your credit card statement, about 3/4 of the way through the "fine print" should be a Corporate address for disputed charges. Write them a letter, send it certified, return receipt requested (so you can prove they received your letter) send a copy of that letter to the hotel, certified. Now you have the weapon of proof.
Once you know they have your written complaint, call the credit card 800 number, wait for the "report fraud" prompt in the (*&%$!!) animated system, you'll be transferred to a real human. State you "will not be responsible for the unauthorized charge including finance charges, late fees for that amount, and will not pay it." Then be quiet, the human should remove those erroneous charges from your account.
Worked for me. Good luck. |
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sarell
|
The credit card company themselves have a dept that deals with this you won't have to pay it at all even though it is on your bill also ask for all interests to be taken off so that you don't have to freak out. They will do this for you it isn't a problem for them at all or it shouldnt be. |
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Ladymargareta
 |
First - it is important to check your bill before paying.
Second - credit companies have different mehtods of dealing with complaints but all are governed by the financial ombudsman whom you should contact if this is not resolved |
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Lizzy-tish
|
If you're Canadian go to your provincial ministry of business practices or corporate affairs and complain listing dates and everything you've done in wiriting.
Second complain to the better business bureau in Washington DC about the hotel and the credit card.
Third if you have a local consumer reporter, write him or her and get them to investigate it , nothing any business loves more than seeing a reporter and camera person come knoccking on their door. And if you don't get satisfaction locally go to the ceo of the hotel chain. |
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Garacaius
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You need to recontact your credit card company. The card company should settle with you and then charge back from the hotel. |
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