Want to know how to write a credit card dispute letter? Here is some information to get you started…
First of all, when you are disputing credit card charges, you need to make sure you understand and follow the process set forth by the FTC. If you don’t, you could end up losing your dispute due to some technicality, like not filing in time or not making your complaint in writing. Check out this overview of the credit card dispute process but make sure to also consult the FTC website for full details.
Here is a sample credit card dispute letter:
Your full name
Your city, state, zip code
Your credit card account number
Name of credit card issuer
Attn: [insert name of department that handles billing disputes]
City, state, zip code
(Note: This address will almost certainly be different than the address you send payments. Call customer service to find out the address and name of department that handles billing disputes)
To Whom It May Concern:
I am writing this letter to dispute a billing error on my credit card account in the amount of $[insert amount here] from [insert name of merchant as it is listed on your billing statement]. This charge appeared on my billing statement, dated [insert date of statement]. I have enclosed a copy of my billing statement with the disputed charge circled.
This charge is inaccurate because [explain why here].
Under the Fair Credit Billing Act, I am requesting that this billing error be corrected and any finance charges and fees associated with the disputed charge be credited to my account, and for an accurate statement to be mailed to me.
In support of my dispute, I have enclosed copies of the following: [list and explain everything you are enclosing, such as copies of sales receipt, proof of payment, copy of police report, etc.]
Please investigate and correct this billing error as soon as possible.
Your printed name
Enclosures: [list what you have enclosed here]
3 Important Things To Remember
1. Understand the different types of card disputes
The Fair Credit Billing Act applies to “billing errors” only and NOT to disputes about the quality of goods and services. Make sure you research and understand the difference between each, because a credit card dispute letter like the one above would not apply if you are disputing the quality of goods and services you received. Also, understand that there are different types of “billing errors.”
2. Document everything carefully
Make sure to send the dispute letter via certified mail with return receipt. For your protection any enclosures should be copies, not the originals (in case they are lost in the mail).
3. The above letter is a sample only
Remember, this is credit card dispute letter sample is just that… a sample. It’s not necessarily a credit card dispute letter template. You should consult the Federal Trade Commission guidelines and an attorney when writing your letter, to ensure it accommodates your specific circumstances. The above sample dispute letter is NOT legal advice, nor is anything else on this website.