Credit Card Charge Dispute Letter
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This is a letter to be used in disputing an unauthorized or incorrect charge on your credit card statement.
Available in MS Word. 1 page.
Description
Prompt notification of unauthorized or incorrect charges to your credit card will help keep your account in good standing. This letter to the credit card company identifies the disputed transaction and requests that the charges be corrected.
Contents
Credit card transaction dispute letter
How to Use
(1) Fill in the blanks with the appropriate information.
(2) Removed the yellow highlights in bracks.
(3) Review the letter for errors before signing and sending.
FAQs
How long do I have to dispute a credit card charge?
According to the Fair Credit Billing Act of 1974 (FCBA), you have 60 days to dispute a charge, starting on the day that the first bill with the error was sent to you. According to the law, cardholders have to submit written notice to the creditor.
When must the credit card company get back to me with my dispute?
Creditors have 30 days to send a written acknowledgement to the cardholder and two billing cycles, and no longer than 90 days, to take action. In case of fraud, cardholders can only be held responsible for a maximum of $50.
What types of charges on my credit card can I dispute?
you can dispute charges to your credit card account for a variety of reasons. These reasons can include fraud, products and services not received, and goods that were not delivered.
Can my credit card company charge me late fees and interest while my dispute is pending?
The credit card company cannot report you to the credit bureaus as paying late and they cannot charge interest on the disputed amount while the dispute is pending. However, if the dispute is not resolved in your favor, you will be responsible for the charge and any interest that accumulated during the dispute period.
