A credit card dispute letter is a written communication from a cardholder to the credit card issuer, detailing a dispute over a credit card transaction.
The letter outlines the nature of the dispute, the amount of the disputed transaction, and requests that the issuer investigate and resolve the dispute.
Why Write a Credit Card Dispute Letter?
Writing a credit card dispute letter is an effective way to dispute unauthorized or fraudulent charges, billing errors, and defective merchandise.
A dispute letter can help to ensure that the cardholder’s account is credited for any disputed charges and can also help to protect the cardholder’s credit score.
How to Write a Credit Card Dispute Letter
When writing a credit card dispute letter, it is important to include specific information to ensure that the dispute is processed correctly. Here are the steps to follow when writing a credit card dispute letter:
Step 1: Gather Information
Gather all relevant information related to the disputed transaction, including the date of the transaction, the amount of the transaction, and any supporting documentation.
Step 2: Format the Letter
Format the letter like a formal business letter, with your name and contact information at the top, followed by the date and the recipient’s name and contact information.
Step 3: Explain the Dispute
Explain the nature of the dispute and provide specific details, such as the amount of the disputed charge, the date of the transaction, and any relevant account or transaction numbers.
Step 4: Provide Supporting Documentation
Include any supporting documentation, such as receipts, invoices, or credit card statements, that can help to support your dispute.
Step 5: Request Action
Clearly state what action you are requesting, such as a credit to your account or a correction to the billing error.
Step 6: Sign and Date the Letter
Sign and date the letter to indicate that you are the cardholder and that the information provided is accurate.
Credit Card Dispute Letter Sample
[Your Name]
[Your Address]
[City, State ZIP Code]
[Your Phone Number]
[Your Email Address]
[Date]
[Credit Card Issuer Name]
[Address]
[City, State ZIP Code]
Dear Sir/Madam,
I am writing to dispute a charge on my credit card account for the amount of [Disputed Charge Amount]. The transaction in question occurred on [Transaction Date] and appears on my [Credit Card Issuer] statement for [Billing Cycle].
I dispute this charge because [Explain the nature of the dispute and provide specific details, such as the amount of the disputed charge, the date of the transaction, and any relevant account or transaction numbers]. I have attached copies of the relevant documentation to support my claim.
I request that you investigate this matter and take the necessary action to correct the error. Please credit my account for the disputed amount or take the necessary steps to correct the billing error.
Thank you for your attention to this matter.
Sincerely,
[Your Signature]
[Your Name]
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