A charge that appears on a periodic statement associated with an extension of credit (e.g., credit card) that
- was not authorized by the cardholder or the cardholders’ designee,
- is not properly identified, and
- was not accepted by the cardholder or the cardholder’s designee.
A billing error can also be caused by a creditor’s failure to credit a payment or other credit to an account as well as accounting and clerical errors.