Credit Card Dispute Complaint
Credit card fraud, wrong billing, chargeback disputes, and recovery harassment
iGuideline Summary
Credit card fraud must be reported immediately — banks have zero-liability policy for online fraud reported within 3 working days. Billing disputes must be raised within 30 days of the statement. For chargeback disputes, banks must respond within 45 days. Recovery agents cannot make calls before 8am or after 7pm and cannot use abusive language. VERIFY_OFFICIAL_SOURCE: RBI Master Circular on Credit Card Operations.
When to File This Complaint
- Unauthorized or fraudulent transaction on your credit card
- Wrong amount charged on billing statement
- Bank refusing to process valid chargeback
- Undisclosed annual fee or charges
- Recovery agent harassment or illegal calls
- CIBIL score impacted due to bank error
Documents Required
- Credit card statement showing disputed transaction
- Chargeback dispute form (if filed with bank)
- FIR copy (for fraud — strongly recommended)
- Call recordings of harassment (if applicable)
- Email/SMS evidence of chargeback rejection
- CIBIL report (for score dispute)
Common Mistakes to Avoid
- Not reporting fraud immediately — zero liability requires reporting within 3 days
- Not filing FIR for fraud transactions
- Paying disputed amount before resolution (weakens your case)
- Not getting chargeback rejection in writing
- Ignoring CIBIL impact from disputed charge
Frequently Asked Questions
What is zero liability policy for credit card fraud?
If you report an unauthorized transaction within 3 working days of the bank's communication, you have zero liability. Delay increases your liability. VERIFY_OFFICIAL_SOURCE: RBI circular on limited liability of customers.
How do I dispute a credit card transaction?
Contact your bank's credit card team immediately. File a chargeback request with the transaction details. If the bank refuses, escalate to the bank nodal officer and then RBI Ombudsman.
Can I stop harassment calls from credit card recovery agents?
Yes. Recovery agents must follow RBI guidelines — no calls before 8am or after 7pm, no threats or abuse. Record the calls and file a complaint with your bank's nodal officer and police if needed.
How long does a chargeback take?
Chargeback resolution typically takes 45-90 days depending on the card network and merchant response. Banks must complete investigation within 45 days. VERIFY_OFFICIAL_SOURCE.
What if my credit card dispute affects my CIBIL score?
If the disputed charge affects your CIBIL score incorrectly, file a CIBIL dispute after the bank resolves the issue. You may need to escalate to RBI Ombudsman if the bank delays the CIBIL correction.
Draft Your Complaint
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Escalation Path
- 1Credit card issuer customer care
- 2Bank's credit card disputes team
- 3Bank nodal officer
- 4RBI Integrated Ombudsman
- 5Consumer Forum (for harassment / CIBIL)
Important Disclaimer
Nyay360 is not a law firm, not an advocate, and is not affiliated with any government body. We do not provide legal representation or guarantee complaint resolution. All information is for educational and self-help purposes only. Users are responsible for verifying final content before submission. Regulator contact details and timelines are informational — always verify at official government portals before relying on them.