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How to Deal with Unacknowledged Charges on Your Credit or Debit Card

Written in NATIONAL on 4/8/2024 · 03:00 a.m.

Last updated: 4/6/2024 · 11:24 am

In it your card balance of debit or credit There are times when part of your money disappears, some of these charges even happen month after month and if you do the math, it can be a good amount of money and in the end it can be hard blow to your economy.

Even if you don’t believe it, the unacknowledged charges are one of the most common problems faced by credit or debit card usersregardless of many times the financial institution in which you have your accountbut if you detect something strange in the charges you can take some measures.

Firstly, if you identify that your money disappears on your debit card or your account increases in your credit cardyou may be being a victim of unacknowledged charges.

Before going with a government authorityyou can ask an advisor at your bank for help, since according to the CONDUSEFthe bank is obliged to refund your money in the 48 hours later to the report you made. However, the institution must continue with the investigation of said chargewhich can take between 45 and 90 days.

In case of unrecognized charges on your credit or debit card

  • Keep calm. Call your financial institution; Report charges that you do not recognize and cancel your card, this way you will prevent criminals from carrying out other operations.
  • File your complaint in the Specialized Unit (UNE) of your Bank, where they will give you a request for clarification, it may even be through their internet portal.
  • The Bank is obliged to give you an acknowledgment of receipt of the request, with a folio, date and time of receipt. (Keep it)
  • Generally, after 48 hours After your claim, the financial institution must pay you the resources corresponding to the unrecognized charge. However, the Bank will continue its investigation, which may take up to 45 days.
  • Eye! There is also the possibility of reverse credit if it is proven that you or any of your additional cardholders authorized the purchase or transaction.
  • If after 45 days the institution does not give you a ruling, it means that your claim has proceeded.
  • Remember that the bank will not be able to charge you late payment interest generated by non-payment of the claimed charge or report you to the Credit bureau.

    In case of present a problem due to unrecognized charges on your debit or credit cardcome to CONDUSEF, they will be happy to guide you, make your appointment by calling the Contact and Attention Center by Remote Means (CCAMER): 55 53 400 999, or online: www.condusef.gob.mx.

    2024-04-08 10:39:13
    #Credit #debit #card #unrecognized #charges

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