Sample Letter for Disputing Credit and Debit Card Charges

In this guide, I will share my personal experience and provide a detailed template to help you craft your own dispute letter, along with tips to increase your chances of success.

Key Takeaways

  • Purpose: To guide you through writing an effective dispute letter for credit and debit card charges.
  • Template: A ready-to-use template for your dispute letter.
  • Tips: Insider tips from personal experience to boost your chances of success.
  • Examples: Real-life examples to illustrate key points.

Understanding the Importance of a Dispute Letter

Disputing incorrect charges on your credit or debit card is crucial for maintaining your financial health. These errors can lead to unwarranted expenses and negatively impact your credit score if not addressed promptly. A well-written dispute letter is your first line of defense in correcting these mistakes.

Template for Disputing Credit and Debit Card Charges

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]

[Credit Card Company/Bank Name]
[Billing Inquiries/Customer Service Address]
[City, State, ZIP Code]

Dear [Credit Card Company/Bank Name],

I am writing to dispute a charge on my credit/debit card account. The details of the charge are as follows:

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  • Transaction Date: [Date of transaction]
  • Amount: [Transaction amount]
  • Merchant: [Merchant name]

I believe this charge is incorrect because [reason for dispute]. I have enclosed [copies of receipts, statements, or any supporting documents] to support my claim.

Please investigate this matter and correct the charge on my account. I expect to hear back from you within the next [time frame, e.g., 30 days] regarding the resolution of this issue.

Thank you for your prompt attention to this matter.

[Your Name]

Tips from Personal Experience

Having written many successful dispute letters, here are some tips that can help you achieve a favorable outcome:

  1. Be Clear and Concise: Clearly state the error and why you believe the charge is incorrect. Avoid unnecessary details that may confuse the reader.
  2. Provide Evidence: Attach all relevant documents that support your claim. This could include receipts, bank statements, or emails.
  3. Follow Up: If you don’t receive a response within the expected time frame, follow up with a phone call or another letter.
  4. Maintain a Professional Tone: While it’s important to assert your rights, maintaining a polite and professional tone can facilitate a quicker resolution.

Real-Life Example

In one instance, I was charged twice for a single purchase at a local store. I immediately noticed the error when reviewing my bank statement. 

I wrote a detailed dispute letter to my bank, including a copy of the receipt showing the duplicate charge. Within two weeks, the bank investigated and corrected the error, crediting the amount back to my account.

Common Mistakes to Avoid

  • Incomplete Information: Ensure all necessary details are included in your letter.
  • Delay in Sending the Dispute: Address the issue as soon as you notice it.
  • Not Keeping Copies: Always keep copies of your dispute letter and any correspondence with the bank or credit card company.

FAQ Section

Q: How long do I have to dispute a charge?
A: Typically, you should dispute the charge within 60 days from the date of the statement containing the error.

Q: What if my dispute is denied?
A: If your dispute is denied, you can ask for a written explanation and explore other options, such as contacting the Consumer Financial Protection Bureau (CFPB).

Q: Can I dispute a charge online?
A: Many banks and credit card companies offer online dispute options, which can be more convenient and faster.


Writing a dispute letter for incorrect credit or debit card charges doesn’t have to be daunting. By following the provided template and tips, you can increase your chances of resolving the issue efficiently. 

Remember to act promptly and maintain thorough records of your correspondence. With these strategies, you’ll be well-equipped to handle any erroneous charges that come your way.

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