Here are a few sample credit card dispute letter templates for different scenarios. Keep in mind that you should tailor these templates to fit your specific situation. It’s also essential to include all relevant details and documentation to support your dispute.
Unauthorized Credit Card Transaction Letter
[Your Name]
[Your Address]
[Email Address] [Phone Number] [Date]
[Credit Card Company Name] [Address]
Subject: Dispute of Unauthorized Transaction
Dear [Credit Card Company Name],
I am writing to dispute a charge on my credit card statement for the month of [Month, Year]. The transaction in question is as follows:
- Transaction Date: [Date]
- Merchant Name: [Merchant Name]
- Transaction Amount: [Amount]
I did not authorize this transaction, and I have attached supporting documents such as [provide details of any evidence you have, e.g., receipts, screenshots]. I request a thorough investigation into this matter and prompt resolution.
Please remove the disputed amount from my account and provide written confirmation of the same. Additionally, I would appreciate your assistance in preventing any further unauthorized transactions.
Thank you for your prompt attention to this matter.
Sincerely, [Your Name]
Billing Error Dispute Letter Sample
[Your Name]
[Your Address]
[Email Address]
[Phone Number] [Date]
[Credit Card Company Name] [Address] [City, State, ZIP Code]
Subject: Dispute of Billing Error
Dear [Credit Card Company Name],
I am writing to dispute a billing error on my credit card statement for the month of [Month, Year]. The error is related to the following charge:
- Transaction Date: [Date]
- Merchant Name: [Merchant Name]
- Incorrect Amount: [Incorrect Amount]
The correct amount should be [Correct Amount]. I have attached supporting documentation, such as [provide details of any evidence you have, e.g., receipts, screenshots]. I request a prompt correction of this billing error.
Please adjust my account accordingly and provide written confirmation of the correction.
Thank you for your attention to this matter.
Sincerely,
[Your Name]
Goods/Services Not Received or Substandard
[Your Name]
[Your Address]
[City, State, ZIP Code] [Email Address] [Phone Number]
[Date]
[Credit Card Bank Name] [Address]
Subject: Dispute of Goods/Services Not Received or Substandard
Dear [Credit Card Company Name],
I am writing to dispute a charge on my credit card statement for the month of [Month, Year]. The transaction pertains to the purchase of goods/services from [Merchant Name], and I am dissatisfied because:
[Explain the issue, e.g., goods not received, services not as described, etc.]
I have attempted to resolve this matter directly with the merchant without success. Attached are supporting documents, including [provide details of any evidence you have, e.g., correspondence with the merchant, photographs].
I request your assistance in resolving this dispute and crediting my account for the disputed amount.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
Remember to replace the bracketed information with your specific details, and ensure that you have attached any necessary supporting documents. Additionally, consider sending these letters via certified mail with a return receipt to have proof of delivery.
Credit Card Dispute Letter for Duplicate Charges
Certainly, here’s a sample credit card dispute letter template for duplicate charges:
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Credit Card Company Name]
[Address]
[City, State, ZIP Code]
Subject: Dispute of Duplicate Charges
Dear [Credit Card Company Name],
I am writing to dispute duplicate charges on my credit card statement for the month of [Month, Year]. The duplicate transactions are as follows:
- Transaction Date: [Date]
Merchant Name: [Merchant Name]
Transaction Amount: [Amount] - Transaction Date: [Date]
Merchant Name: [Merchant Name]
Transaction Amount: [Amount]
I have attached supporting documentation, such as [provide details of any evidence you have, e.g., receipts, screenshots], highlighting the duplicate charges. I request an immediate investigation into this matter and prompt resolution.
Please remove the duplicated amounts from my account and provide written confirmation of the correction. I also request your assistance in preventing any further duplicate charges.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
Remember to replace the bracketed information with your specific details, and ensure that you have attached any necessary supporting documents. It’s crucial to be clear and concise in explaining the issue and providing evidence of the duplicate charges. Sending the letter via certified mail with a return receipt is a good practice for documentation purposes.
Rebuttal Letter for Credit Card Dispute
[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date]
[Credit Card Bank Name]
[Address]
[City, State, ZIP Code]
Subject: Response to Credit Card Dispute
Dear [Credit Card Company Name],
I am writing in response to the credit card dispute regarding my account, reference number [Reference Number], dated [Dispute Date].
I appreciate the thorough investigation conducted by your team in reviewing the disputed transaction. After careful consideration of the provided information, I would like to offer additional details and evidence to support my position.
[Clearly state your reasons for disputing the charge and provide any additional information or evidence you may have. Attach relevant documents, such as receipts, screenshots, or correspondence.]
I trust that, with this additional information, you will reevaluate the dispute and find in favor of the correction. I kindly request a prompt resolution and written confirmation of the updated status of the dispute.
Thank you for your attention to this matter. I am confident that your team will handle this situation fairly and efficiently.
Sincerely,
[Your Name]
Remember to personalize the letter with your specific details and provide clear and concise information to support your position. Additionally, include any new evidence or details that may aid in the reconsideration of the dispute.
Rebuttal of Fraudulent Transaction Dispute
here’s a sample letter for a rebuttal in response to a fraudulent transaction dispute:
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Credit Card Company Name]
[Address]
[City, State, ZIP Code]
Subject: Response to Fraudulent Transaction Dispute
Dear [Credit Card Company Name],
I am writing to address the recent dispute regarding a fraudulent transaction on my credit card account, reference number [Reference Number], dated [Dispute Date].
Firstly, I would like to express my appreciation for your prompt attention to this matter. I understand the importance of investigating and resolving such issues promptly, and I want to assure you that I take the security of my account very seriously.
Upon reviewing the information provided in your initial communication, I would like to present additional details and evidence to further support the claim of fraudulent activity on my account.
[List and explain any discrepancies or evidence that indicates the transaction was fraudulent. Attach relevant documents, such as a police report, affidavits, or any other supporting evidence.]
I trust that, with this additional information, your team will conduct a thorough reevaluation of the dispute. I kindly request a prompt resolution and written confirmation of the updated status of the dispute.
Thank you for your continued assistance in this matter. I am confident that, with your expertise, the fraudulent transaction will be appropriately addressed and rectified.
Sincerely,
[Your Name]
