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Chapter 15. Scams > A Final Bit of Advice

A Final Bit of Advice

It is a good idea never to give your credit card number over the phone to anyone with whom you did not initiate the contact. If, however, you find that you have been defrauded by a telemarketer and you paid with a credit card for goods or services you never received, you should contact your credit card company, explain what happened and ask that the charges be removed from your bill. Do not pay the disputed amount because doing so will limit your rights.

If you did not follow my advice the first time and gave one of these con men your credit card number over the phone and then you did not follow my advice the second time and paid the disputed charge, there is still something you can do. Under federal law, if you did not receive purchased goods or services, you can dispute the charges as a billing error. In that instance, the credit card company is required to investigate your claim and take off the charge where appropriate.


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