Notify your credit card company that you are not receiving your monthly statements. You should also file a written billing error dispute with the bank. (Send this to the address specified after “Send Billing Inquiries to:” on the statement. This address is usually different from where you send your payment.)

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Generally, unless a cut-off time is specified, payments must be credited on the date received. Check with your credit card company about its policies. For more information, review the Account Agreement provided when the account was opened.

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Generally, the bank shall mail or deliver written acknowledgement to you within 30 days of receiving your written billing error notice. If the bank determines that a billing error has occurred, it shall resolve it within two complete billing cycles—but no later than 90 days after receiving a billing error notice.

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No. Generally, if you have filed a proper billing error dispute with a national bank, the bank shall not make an adverse report to any person about your credit standing.

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If you find charges on your credit card bill that you believe are in error, notify your bank in writing. Use the billing error instructions that appear on the back of the periodic credit card statement.

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