How long does a consumer have to write to a creditor to dispute a billing error?

A consumer has 60 days to write to a creditor to dispute a billing error. This timeframe is established under the Fair Credit Billing Act (FCBA), which provides consumers with protection regarding billing errors associated with credit card accounts. The Act mandates that consumers notify creditors of any errors within 60 days from the date the creditor sends the first bill reflecting the error.

This allows consumers ample time to identify and address discrepancies in their billing statements, and it ensures that creditors have a clear and prompt notification of the dispute, prompting them to investigate and respond accordingly. Understanding this timeline is crucial for consumers to protect their rights and manage disputes effectively.