How to Write a Letter to Someone Who Is Billing You Wrongly?

Call the creditor to get clarification, but always put your dispute in writing.

Creditors often make billing mistakes, and consumers often do not catch them until it is too late. The creditor must receive a dispute within 60 days of your receipt of the first incorrect invoice, according to the provisions of the Fair Credit Billing Act. When you catch a billing error it is best to put your dispute in writing. Writing a letter to the creditor will force its personnel to comply with government regulations regarding incorrect billing.

Instructions

1. Include your account number in the "Re:" portion, just above the creditor's address, in your letter. This allows the creditor to quickly access your account.

2. Insert "Billing Inquiries" just below the business's name. This will ensure your letter is directed to the correct department.

3. State what you are disputing and why in the beginning of the letter. Include the amount and date and why you are not responsible for the charges. Itemize any incorrect charges if there is more than one.

4. Ask for the charge to be removed or refunded. It is important that the creditor know exactly what you want.

5. Send copies of any supporting documentation. These may include agreements with the vendor, photos or a police report if you are disputing an unauthorized credit card charge.

6. Send the letter by Registered Mail and request a return receipt. You will want to be able to prove the letter was sent and received if the creditor does not acknowledge it.

References

• Northern Illinois University: Sample Dispute Letter to Creditor
• University of California Santa Cruz: Sample Letter: Dispute Over Return of Security Deposit
• Board of Governors of the Federal Reserve System: Billing Errors