If a charge you did not authorize appears on your credit card statement, you fail to receive a purchased product, or an ordered item is received defective, you may have a legal right to dispute the credit card charge and refuse payment. Contact your credit card company immediately to initiate the dispute. It is best to follow up any verbal action in writing. Review the Federal Trade Commission web site at www.ftc.gov for more information. Otherwise, the day may come when you need the services of a reputable credit repair company.
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