If you see any unexpected charges on your credit card, you should contact your provider. For example, if you’ve:
Been charged the wrong amount for an item
Been charged for a payment you didn’t make
Been charged for an item you didn’t receive
Not received a refund for an item you returned
Not received a statement and have been charged a late payment fee.
Your provider should explain how you can dispute a charge and, if necessary, make a formal complaint.
If your complaint can’t be resolved within eight weeks or you’re not satisfied with the outcome, you can take your case to the Financial Ombudsman Service. The FOS is a free, independent service that resolves financial disputes fairly and impartially.