Credit Card Dispute Letter

Use this sample letter when you discover an error on your monthly credit card bill and need to dispute the error with your credit card company.

The Fair Credit Billing Act (FCBA) outlines your specific rights and your credit card company’s specific responsibilities when you dispute an item on your credit card bill. When disputing credit card bills, always do so in writing and promptly. In your letter, provide specific facts, descriptions, figures, names, dates, locations, and so forth. Equally important is including a certified copy of receipts, a bill of sale, the credit contract, and any other document that supports your claim.

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FREE Sample Letter for Disputing Errors on Credit Card Bills

Today’s Date

Your Full Name
Current Address
Current Phone Number

Name of Credit Card Company
Mailing Address (check your statement for the correct address!  It’s usually different than the one you mail payments too)
City, State, Zip

Dear {Insert name of Credit Card Company from statement}

I am disputing an item on my statement, dated {insert date of statement}. Please note that this letter falls within the 60-day limit required under the Fair Credit Billing Act.

Or use the following paragraph instead

I am disputing an item on my statement dated {insert date of statement} because I am unable to determine from my records the purpose of the charge.  I need more information about line item {place the line item number or description here}. Please send copies of any documents you have about this item.

Please use the following information to investigate my claim:

{Insert your name as it appears on your credit card statement}

Date of Statement: {Insert the date from the statement you are disputing}

Account Number: {Insert credit card account number}

Date of Transaction: {Insert date from statement}

Description of Transaction {Copy from statement}

Describe Error: {If disputing dollar amount, insert amount using $0.0 format}

{Insert explanation of why you believe an error occurred} (see more examples below)

I understand that you have 30 days to respond and 90 days to either resolve my dispute or inform me in writing of why the bill is correct. Until then, I will pay any amount due except for the amount in question and await your letter explaining all actions taken concerning this dispute.

If your investigation shows the information to be accurate, I respectfully request that you provide an explanation of your findings, a statement of what I owe, including any finance charges that have accumulated and any minimum payments I’ve missed while questioning this bill.  If I agree with your findings, you can expect my payment in the amount you say I owe within the 10-day limit allowed under the Fair Credit Billing Act.

Sincerely,

Signature
Printed Name

Reasons for disputing credit card bills. Select one to insert in the letter above.

  • You didn’t buy the item in question;
  • Someone not authorized to use your account made the purchase;
  • They did not properly identify the item on your bill;
  • The amount is different from the actual purchase price;
  • The creditor entered the wrong purchase date (important when creditors chare interest by the day)
  • You did not accept delivery of an item, or they did not deliver the item per a delivery agreement;
  • The bill contains arithmetic errors, (Look at the date on the postmark. If your account is one on which no finance or other charge was added before a certain due date, then creditors must mail their statements at least 14 days before payment is due).
  • The bill does not show a payment or other credit to your account; (Look at the payment date entered on the statement. Creditors must credit payments on the day they arrive, as long as you pay according to payment instructions).
  • The creditor is not sending the bill to your current address, (only use if you told the creditor about an address change at least 20 days before the end of the billing period);
  • The bill contains a questionable item or an item for which you need more information.