Fair Credit Billing

The federal Fair Credit Billing Act (FCBA) applies to "open end” credit accounts, such as credit cards and revolving charge department store accounts. It does not apply to installment contracts – loans or extensions of credit you repay on a fixed schedule. The FCBA also establishes procedures for resolving billing errors on your credit card accounts. The Federal Trade Commission (FTC) is the governmental agency that has the most complete regulatory and enforcement authority over the provisions of the FCBA. The FCBA also provides for private rights of action.

FTC's Fair Credit Billing Facts

Where to file a complaint:

File a Fair Credit Billing complaint with the FTC

Call the FTC:

Toll free: 1-877-FTC-HELP (1-877-382-4357)
TTY: 1-866-653-4261

File a Fair Credit Billing complaint with the Virginia Attorney General's Office

Call our Consumer Protection Hotline:

Toll free: 1-800-552-9963 if calling from Virginia

(804) 786-2042 if calling from the Richmond area or from outside Virginia

Our business hours are 8:30 a.m. to 5:00 p.m., Monday through Friday.