Q: I disputed a transaction involving 2 charges with my credit card co. A credit was given for 1 charge but not the other.
This dispute involved the same set of facts and documents. Since it involved 2 charges, 2 separate reviewers were assigned to my dispute. One reviewer granted a permanent credit for 1 charge. The other reviewer closed the dispute for the 2nd charge without a credit and said I was responsible for the charge. If I contact the credit card co., do I jeopardize losing the credit I received by pointing out that the other credit was denied (under the exact same set of facts)? Best case scenario, I eventually win a credit for both charges. Worse case scenario, they decide to reverse the permanent credit for the 1 charge. Do I take my win, and pursue a CFPB complaint for the other charge?
A: I would contact a consumer protection attorney that is familiar with the Truth in Lending Act. Depending on the circumstances, you may have a case and a consumer protection attorney will likely offer you a free consultation and may not charge you anything up front if there is a case to bring.
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