Credit Card Dispute Letter Sample

Posted by CreditCardGuru

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:

Date

Your full name
Your address
Your city, state, zip code
Your credit card account number

Name of credit card issuer
Attn: [insert name of department that handles billing disputes]
Address
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.

Sincerely,
Your signature
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.

12 comments... read them below or add your own

  1. henry March 5, 2014 at 12:22PM

    I was charged for dinner in another country in excess of the amount on the menu. The bill was not itemized, We signed the sales slip/charge because we had no way of protesting this or resolving it at the time. We left the country 2 days later.The merchant has supplied the credit card company with the same copy of the charge bill in dispute which we submitted. Nothing more We requested an itemized bill since we have never received one .Any suggestions.

  2. Rajeev February 28, 2014 at 12:19AM

    i was scammed by internet company- i called continuously on your customer care number 18601801290 & write email to your Nodal Officer , customerservicehead@sbicard.com & feedback@sbicard but still not getting any response from your side.I have received a message on 24/01/2014 i.e. Dear SBI Cardholder, Txn of Rs.2474.20 on Card ending with xx1971 at LOGMYPAY.COM has been declineed due to insufficient credit limit on 24/01/2014. Pls call us 18601801290/39020202 for information on credit limit.on that day i am out of station & never swap the card. Card in my pocket, i am in bus & suddenly i got the message as above on my mobile 9711188901. same message again come in my mobile on 01/02/2014 & on 02/02/2014 & 06/02/2014 now at EDITSLOG.COM. How can its possible. It means somebody can hold duplicate card of my number. This is a serious issue. I mail so many time to sbi card nodel officer etc but not getting any positive reply & asking the payment without solve the dispute. please advise me what can i do or send sampler letter to me.

  3. Pedro Garcia February 1, 2014 at 12:58PM

    I haven’t money to pay a commercial truck registration that I never could’t use, the problem is I got towed and I could’t afford to pay the towing company who tow it to take it out, they keep the truck and they charge me the money they want to charge me, what can I do, should I dispute?

  4. rita elias October 31, 2013 at 6:29AM

    I would like to know how i can dispute a credit card it only made purposely made for medical reason it called ( care credit card ) my dentist already collected all my money on the card which it was 10,000.00 dollars that was my limit on it and on top that he took 1,100.00 dollars he called it its interest charge that he supposed to charge me for which he not supposed to charged me that …now he supposed to charged me 7,800.00 dollars only to work on my teeth when he found out that im eligible for 10,000.00 dollars the care credit gave me he started charging left and right oh i need to do this we have to do that and on and on… over charged me for 3,400.00 dollars which it was not in the agreement…my question now i can dispute the payment on it even after he collected the the over charged money …please look at this matter and please i need help with this issue please as soon as possible… i need help in writing a strong opinion to write and complaint this matter before its too late, all I’m asking please can u email me a letter how i can send it to the dispute department. my credit card company with strong opinion that the credit card company start collecting the over charged money which is 4,100.00 dollars credit to account.. and start collecting from the doctor with correct amount only which is 7,800.00 dollars the rest which is 4,100.00 not responsible for…..please investigate this billing error which accrued from my doctor and he trying to collect money from me he shouldn’t have please i need a help with this matter as soon as u can.

    sincerely yours Mrs. Elias

  5. Desiree Fuller-Tolbert September 2, 2013 at 6:03AM

    Please be aware that DirecTV “hijacks” the cc info of its Customers even when you opt not to “save this credit card” and/or decline to be enrolled in “auto pay”. I have only used my cc for the purpose of making “one time” payment(s) of a specific dollar amount and to the best of my knowledge, believed that my cc info had been deleted. Unfortunately, it was only after my cc was charged $479.45 did it come to my attention that it had not been. DirecTV’s position was that because they had been given the cc number, they reserved the right to use it to collect past-due charges. The problem is, the past-due charges were being disputed, and my account had been closed for more than 90 days. DirecTV stated we simply used the cc “on file”. Herein lies the fraudulent/unauthorized use of the credit card–you must first obtain the Consumers permission to retain their cc for future use at the sole discretion of the business. However, they will not advise those who use their cc as a payment method of that deceptive business practice, because no one would knowingly provide a company notorious for false advertisement and defrauding its Customers an “all access pass” to use their credit card–at their discretion. When a debt is valid, that’s one thing. When you’re hijacking customer’s credit card info, for possible future use without their knowledge, collecting monies that the company is not rightfully entitled to because the dollar amount the company collected was substantially different from the amount it is actually owed–that’s fraudulent use of a Customer’s credit card. Plain and simple.

    • MSJACKSON December 4, 2013 at 2:01PM

      I AM CURRENTLY GOING THRU THIS SAME TYPE OF SITUATION. EXCEPT, I NEVER WAS A DIRECTV CUSTOMER OR HAD AN ACCOUNT. I ALLOWED A FRIEND TO MAKE A $23 PAYMENT ON THEIR ACCOUNT, I GOT ON THE PHONE AND AUTHORIZED IT 12 MONTHS AGO. NEVER THOUGHT ANYTHING OF IT AGAIN UNTIL MY ENTIRE BANK ACCOUNT BALANCE OF $663 WAS DEPLETED TWO WEEKS AGO. I HAVE SPOKE W/ DIRECTV MULTIPLE TIMES ALWAYS ENDING WITH THEM HANGING UP ON ME. THEY EVEN HAD THE NERVE TO TELL ME I WAS THE ‘WIFE’ TO THIS PERSON AND IT’S THEIR FAULT BECAUSE THEY SHOULD HAVE WARNED ME THAT IT WOULD BE KEPT ON FILE. NOW I HAVE NEVER BEEN MARRIED ESPECIALLY NOT TO THIS PERSON I DON’T EVEN RESIDE AT THEIR HOME BUT DIRECTV WILL TELL YOU DIFFERENT. THEY ARE SCAM ARTIST AND THIEVES. I HAVE FILED DISPUTES AND I AM HOPING MY BANK WILL REFUND THE MONEY ASAP AS I LITERALLY HAVE NO MONEY. MY FRIEND FEELS AWEFUL BUT HAS NO MONEY TO HELP. AND WHAT MAKES IT WORSE IS THAT THEY CANCELED WITH DIRECTV FOR THEIR POOR SERVICE AND CUSTOMER SERVICE AND THESE CHARGES WERE FOR AN ‘EARLY’ TERMINATION FEE AND UN RETURNED EQUIPMENT ( BUT MY FRIEND JUST RECEIVED THE PRE PAID SHIPPING BOXES TWO WEEKS AGO )

  6. G Davis June 3, 2013 at 7:41AM

    I noticed a charge on my credit card that I was not familiar with. I called credit card and advised them and they said it was too late to dispute the charge. this was over 60 days before I noticed the bogus charge and I could not get info to try to contact this company on my own. what can I do after this length of time?

  7. Harold Aloiau June 2, 2013 at 1:43AM

    How do I dispute unauthorized cash withdrawals from my account by my wife who I am going thru a divorce proceeding? The account is in my name only.

    • unknown November 23, 2013 at 10:49PM

      Can’t dispute as you may want to report to police

  8. Lena Barley April 21, 2012 at 10:37AM

    Also, the sample letter is very useful in disputing billing errors on your credit card. If possible, in the future could you provide a sample letter to Consumers on receiving billing statements from Creditors, as “Customer Care Center–ADT Security Services,Inc.” requesting extra fees less than 7 days from a previous payment… not due on his/her account, but have been receiving billing statement twice in one month and less than 25 to 30 days acquired by the Law. Consumers have notified the company but their requests have been ignored or neglected.

  9. Cynthia Mc Ginnis March 16, 2012 at 10:08PM

    I was scammed by an internet company- I disputed the charges sent all the info they requested. CC reversed the charges but the merchant refiled and my CC recharged my card. The merchant has switched names- given my CC company 2 fake tel#’s- out of order fax #- and many different addresses None of which are their official address according to their scam website. My question is don’t I have the right to be provided with the correct information concerning any merchant that has posted a charge on my acct.

  10. Paul Bottse January 23, 2011 at 3:15PM

    I found this very helpfull. I hope that you have other sample letters I can use.
    Regards, Paul

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