What is the Best Way to Handle a Payment Dispute?

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  • Written By: Patti Kate
  • Edited By: W. Everett
  • Last Modified Date: 06 October 2019
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To resolve a payment dispute, a customer should take action as soon as a discrepancy has been discovered. He should gather the necessary documents, contracts, and receipts. Invoicing disputes should be addressed immediately, and examining the invoice is essential.

When attempting to handle a payment dispute effectively, it's important for the person to remain calm, yet assertive. Losing one's temper will not help resolve the issue, but can delay or hamper efforts. If an individual has contested a payment statement or believes it is inaccurate, it's in his best interest to have some type of signed paperwork or contract to substantiate his claim.

If the payment conflict involves a cash transaction, it may be difficult to dispute. This is why it is prudent to pay by check, as the copy will serve as representation and proof of payment. If, however, this is not possible, obtaining a receipt is crucial.

Billing errors may involve online purchases, as well as purchases made in store. If an individual recognizes such an error and needs to file a payment dispute, contacting the customer service department is the easiest method. Most of the time, errors can be adjusted or easily rectified without problems.


Unfortunately, there are instances, especially when dealing with a less-than-reputable company, where getting a satisfactory resolution to a payment dispute becomes an ongoing issue. In such a case, taking the matter directly to a consumer dispute resolution service is a good idea. The Better Business Bureau may also be helpful.

Credit card customers may have to resolve payment disputes after unauthorized purchases are made or after payments are made with a misplaced credit card. If a lost or stolen credit card has not reported quickly, charges may occur through identity theft. Other instances, such as technical errors by the credit card, company may also lead to payment disputes.

It's vital to check credit card statements immediately, and if any inaccuracies are noticed, report them at once. Typically, a credit card company will allow a limited time for customers to seek help with a payment dispute. In most cases, a dispute can be resolved without having to file an official claim report.

There are other ways to handle a payment dispute before the issue becomes a serious matter. Contacting an attorney, either locally or online, can provide answers and a possible solution. Many lawyers do not charge a fee for an initial consultation. It's important to inquire about fees beforehand.


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