The Fair Credit Billing Act (FCBA) was passed to protect consumers from unfair billing practices, such as being billed for merchandise that was never received or failure to post credits in a timely manner. It also sets a consumer's responsibility for unauthorized charges or ways to seek clarification of items on a bill.
Anytime you dispute a charge, you are using the provisions of the Fair Credit Billing Act. It is designed to help consumers when erroneous charges or fees appear in their credit card statement.
In order to use the provisions of this law, you must send a letter to the creditor within 60 days of the first incorrect bill mailing. The creditor must acknowledge your dispute in writing within 30 days of receiving it, and must have settled the matter within two billing cycles of receiving the dispute letter.
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