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Billing error notice: what it means

A billing error notice is a letter you send your credit card company to dispute a mistake on your statement. Under Regulation Z, an error includes, for example, a charge you did not make or authorize, something you bought and did not receive, a payment that was not credited, or a math error.

In Spanish it is

Aviso de error de facturación (billing error notice)

Also written as: billing dispute letter · credit card dispute

A hand takes a leaflet out of a mailbox at an apartment building.

Verified on October 17, 2026

2 official sources

See the whole dictionary

The full explanation

The letter must reach the address for disputes shown on your statement within the time the law sets. Include your name, your account number and why you believe there is an error. While the company investigates, you do not have to pay the disputed charge.

An example

Gabriel sees a charge on his card from a store where he never shopped. He calls the company and also sends a letter to the address for disputes, with his name, account number and explanation. He keeps a copy of the letter.

You will see it in…

The dispute instructions on your credit card statement
The letter you send the card company
The company's answer after it investigates

Words that go with it

You will rarely see this word alone. These are the ones that show up with it on the same papers.

Still confused by a paper?

A HUD-approved housing counselor can walk you through it. Agencies usually charge little or nothing, many work in Spanish, and they do not sell you anything.

What a housing counselor does See free help

Official sources

We sum up what these official sources say, in plain words. We add no rules they do not state; when a rule changes, the definition and its date change.

1. Legal Information Institute (Cornell Law School) · 12 CFR § 1026.13: billing error resolution (external site) · in English · Verified on October 17, 2026
2. CFPB · How to fix mistakes in your credit card bill (external site) · in English · Verified on October 17, 2026