Michigan’s Rules on Unauthorized Charges and Billing Errors

In Michigan, consumers have specific rights and protections when it comes to unauthorized charges and billing errors. These regulations are designed to safeguard individuals from unfair practices and ensure transparent billing. Understanding these rules is vital for anyone dealing with unexpected charges or discrepancies in their bills.

One of the key laws governing unauthorized charges in Michigan is the Michigan Consumer Protection Act. This law prohibits businesses from engaging in fraudulent practices, including charging consumers without consent. If a company processes an unauthorized charge, consumers have the right to dispute that charge and seek a refund.

In cases of billing errors, the Fair Credit Billing Act (FCBA) also provides protective measures. Under this federal law, consumers must promptly report any errors they notice on their billing statements. If a billing error is identified, such as incorrect charges, double billing, or charges for goods not received, consumers should notify their credit card issuer within 60 days of the statement date.

Consumers in Michigan are encouraged to follow these steps when confronting unauthorized charges or billing errors:

• Document Everything: Keep detailed records of all transactions and communications with the business. This includes receipts, statements, and any correspondence regarding the billing issue.
• Contact the Merchant: Reach out to the business directly to discuss the unauthorized charge. Many issues can be resolved quickly through direct communication.
• File a Dispute: If the issue remains unresolved, consumers should file a formal dispute with their credit card issuer. Provide all necessary details and documentation to support the claim.
• Notify Authorities: If the charge is still disputed after attempting to resolve it, consumers may consider contacting the Michigan Attorney General’s office or the Federal Trade Commission (FTC) for assistance.

It’s also important to be aware of the time limits set by creditors for resolving disputes. Consumers should act swiftly to ensure their rights are protected. Under Michigan law, there are usually timeframes in place for disputing unauthorized charges, and delays can complicate the resolution process.

Moreover, businesses are required to provide clear and itemized bills. Transparency in pricing helps consumers easily identify unauthorized charges. If a charge lacks adequate explanation or detail, it may be worth investigating further.

In conclusion, Michigan provides robust protections for consumers against unauthorized charges and billing errors. By being proactive, informed, and timely in addressing these issues, consumers can protect their financial interests and ensure they are not unfairly charged.