Types of disputes
| Situation | Your protection |
|---|---|
| Charge you didn't authorize | Mastercard zero liability + fraud reporting — see fraud page |
| Wrong amount, duplicate charge, unposted payment, math error | Fair Credit Billing Act (billing error) |
| Goods or services not delivered as agreed | Fair Credit Billing Act / card network chargeback |
| Quality dispute with merchant | Limited rights; conditions apply |
Try the merchant first
For quality or delivery problems, contact the merchant and keep records. Many issuers expect a good-faith attempt before you file.
How to file a Concora Credit dispute
- Call the number on your card or use your online account to start a dispute.
- For billing errors, also send a written notice to the billing-error address on your statement within 60 days of the statement date the error first appeared.
- Keep paying the undisputed portion of your balance.
What to include in your letter
- Your name, address and account number
- The date, amount and description of the disputed charge
- Why you believe it's an error
- Copies (not originals) of receipts, emails or tracking information
Send billing-error letters by certified mail with return receipt. The 60-day clock and your FCBA rights depend on a written notice, and proof of delivery ends any argument about timing.
What happens next
The issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles (no more than 90 days). While it's under investigation, you don't have to pay the disputed amount, and it can't be reported as delinquent.
FAQ
How long do I have to dispute a Concora Credit charge?
For billing errors, send written notice within 60 days of the statement date on which the error first appeared.
Will a dispute affect my credit?
No. The disputed amount can't be reported as late while under investigation.
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About the author: Marcus Hale
Compliance & Fact-Check ReviewerMarcus has 15 years of experience in consumer-finance compliance, including card disclosures, TILA and the CARD Act. He reviews every page on this site for accuracy before it is published.
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