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How long can the bank take to resolve a billing error dispute on my credit card account?

Generally, the bank must 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.

If the bank determines that no billing error occurred, it must mail or deliver to you an explanation as to why it maintains that no error occurred.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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