How to Write a Dispute Letter to a Credit Card Company
If you disagree with a charge on your credit card statement, you might be able to dispute the charge with your credit card company. If you succeed, the credit card company will refund you the money. Federal law allows you to dispute various items, such as calculation errors, unauthorized charges and charges for faulty products. Even if you have called your credit card company, you should still send a dispute letter so you have written record of the dispute.
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Instructions
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Write the date and the credit card company's address at the top left corner of the letter.
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Write "Charge dispute for (insert your credit card account number)" in the subject line.
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Address your letter to "Sir or Madam" or the name of your credit card company.
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State the details of the charge you are disputing. Include the date of the statement, the amount of the charge and the retailer name and address.
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Explain why you are disputing the charge. For example, write about how you never authorized the charge or how you never received the product the retailer promised to deliver. If you enclose a copy of evidence supporting your dispute, point out that you are attaching this evidence and how it proves your case.
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Request that the credit card company investigate the charge and remove the charge from your credit card statement.
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End the letter with a formal valediction, such as "Sincerely" or "Regards." Sign the letter and write your name, address and contact details.
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Tips & Warnings
Circle the charge you are disputing on a copy of your statement and send it along with the letter.
Attach a copy of the original receipt for the charge you are disputing.
Send your dispute letter with a certificate of mailing and retain the proof of mailing.
Keep a copy of the letter for your records.
References
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