Federal law provides protection to credit card consumers when disputing billing errors and charges for fraudulent purchases. Disputing a charge doesn't necessarily mean you won't have to pay it though. Whether you're responsible for paying the disputed amount depends on the results of the card issuer's investigation.

Can I dispute a credit card charge that I willingly paid for?

Disputing a credit card charge. Consumers can dispute fraudulent charges on their bill by calling their issuer. ... You also have the right to dispute a credit card charge for a purchase you willingly made. This can be done for a number of reasons, including services not rendered or dissatisfaction with services rendered.

What happens when you dispute a charge?

Disputing a charge does not have an impact on your credit. ... You must keep paying your credit card bill like normal during the dispute process. As mentioned previously, card issuers usually remove disputed charges from the bill until the dispute is resolved, but you're still responsible for paying the rest of the bill.