Have you discovered an improper charge on your credit card this summer? If you find any suspicious or unknown movement, there are a series of steps you must follow to make an effective claim that allows you to recover your money as soon as possible. The first thing to do is to contact your bank and keep documentation of everything that happened.
How to claim an improper charge
Initiating the process of a lawsuit after receiving an improper charge begins by carrying out procedures with the bank. Notifying it in writing and knowing your rights as a consumer are the key to recovering your money.
The first thing to do is contact the bank or financial institution that issued your credit card. You can do it through their customer service by phone or online. Explain the situation to them and provide precise details about the mischarge.
Notify in writing: To formalize your claim, it is advisable to send a written notification to the bank. You can do this by email or certified letter, making sure to include the necessary information, such as your name, card number, the improper charge and the date you detected it. file a claim for an improper charge on your credit card. In Spain, this period is usually up to 13 months from the date of the charge in question. Bank Investigation: Once the bank receives your claim, it must conduct an internal investigation to determine the truth of the improper charge. During this process, you may be asked for additional documentation or information to support your claim. Customer Service of the financial institution. This department is responsible for reviewing and resolving customer complaints. Complaint body: If after following the steps above you still have not obtained a solution, you can go to the Bank of Spain, which acts as a mediator in disputes between customers and financial entities. Present your case and the Bank of Spain will evaluate and issue a resolution.
In Spain, consumers have specific rights to protect themselves in situations of improper charges on their credit cards. The Law for the Defense of Consumers and Users establishes that, in the event that the bank confirms the improper collection, it must receive a refund of the amount incorrectly charged within a maximum period of 30 days.
What to do if you are affected
If you suspect the mischarging is the result of unauthorized use of your card, it’s important to block your card immediately to prevent further unwanted charges. Notify the bank of your suspicions and request the temporary or permanent blocking of the card until the situation is resolved.
Take the opportunity to learn about the additional security measures your bank offers to protect your credit card against future fraud. This may include enabling purchase notifications, two-step verification, or using virtual cards.
If you feel that your case is complex or has not been adequately resolved, consider seeking specialized legal advice on financial and consumer issues. An experienced attorney can guide you through the process and protect your rights as a consumer.
Remember that it is essential to maintain a proactive attitude and document all the steps that are carried out during the claim process. Keep copies of communications, emails, and any other evidence that supports your case.
Claiming an improper charge on your credit card is a right that you have as a consumer in Spain. By following these steps and maintaining clear and timely communication with the bank, you will be able to resolve this situation effectively and protect your financial interests.