Under the Fair Credit Billing Act, you have the right to dispute charges on your credit card you didn't make, are incorrect, or for goods or services you didn't receive.

• Send a letter to the creditor within 60 days of the postmark of the bill with the with disputed charge.
• Include your name and account number, the date and amount of the disputed charge, and a complete explanation of why you are disputing the charge.
• To ensure its received, send your letter by certified mail, with a return receipt requested.
• The creditor or card issuer must acknowledge your letter in writing within 30 days of receiving it and conduct an investigation within 90 days. You do not have to pay the amount in dispute during the investigation.
• If there was an error, the creditor must credit your account and remove any fees.
• If the bill is correct, you must be told in writing what you owe and why. You must pay it along with any related finance charges.

If you don't agree with the creditor's decision, file an appeal with the Office of the Comptroller of the Currency.