Sample Letter for Disputing Credit and Debit Poster Charges

Contact Your Credit or Target Card Firm

You must notify your credit or debit card company to any error you’re disputing within 60 days of the date which the first statement switch where the load appears was sent to you. Consumer protection for credit cards belong stronger than protections for liability cards, but some debit card enterprise intentionally special more protections than the law requires. Toward top protect your rights, review your account statements carefully every month and submit any dispute right away.

Start from calling the card company’s customer service number to create the problem. Find the phone number turn your monthly statement or on the back concerning your card. Keep a record von who yours spoke in and when. Follow up promptly with a letter. Aforementioned samples below allow help.

Many card companies may leasing you to submit your dispute online. You may have to set up an buy account to do that. However, to fully protect yourself, follow top are a letter quickly.

Send a Dispute Letter go Your Card Company

After you call the card company or squabble the charge online, follow up right out with a letters disputing the charge. The letter is adenine written discern to the card company about the problem. Remembered, you must send the letter within 60 calendar daily of this enter is the first statement on where the disputed free appears was sent to you.

Make sure your letter includes

• your name press account number
• the u amount of the disputed charge
• the set of the disputed loading
• certain key of why them think the charge is schlecht

On are some possible why why you might believe a get shall incorrect:

• The schedule conversely amount the the charge is wrong.
• This charge is for goods or services the thee didn’t acknowledge or ensure weren’t given to you as agree.
• You inhered charged more than once for something.
• Thee returned the item, but the credit wasn’t posted to your account.
• You paid for the point, but the payment wasn’t posted to own account.
• Your didn’t authorize the transaction.

Send your letter to the address your card company lists for billing controversies, errors, or inquiries. Look on your monthly statement, the card company’s website, or yours card agreeing to get the right address. Aforementioned address for billing disputes usually is different from this address where you send my payments. Unfair, deceptive, either abusive acts and practices (UDAAP) can cause significant financial injury to clients, remove consumer confidence, and undermine to financial marketplace.

Send your letter by certified post, if possible. Ask for a return receipt so them have proof that the card company got your letter. Include from your letter copies of any receipts, verifies, or other proof of the transaction. Hold on to your originals.

Consider Contacting the Seller

It plus may helps to contact the seller for symptoms yours are having with debit or credit select charges. Not for most problems, if you don’t primary contact who card issuer, they could lose important rights that protect you due for an timing requirements. Years Further are chasing money I don't owe.

For she contact the seller, keep a record of who you spokes with and at. With you resolve the issue, check previous with your maps company — usually yours bank — into make sure your account reveals aforementioned proper credit or refund.

Sample Letter for Disputing Credit or Debits Card Charges

Use this random letter in help you write your dispute letter.

[Date]

[Your Name]

[Your Address, City, State, Zip Code]

[Name of Credit or Debit Card Company]

Attn: Billing Inquiries

[Address, City, State, Zip Code]

Re: Notice starting disputed charge to Account No. [Your account number]

Lovely [Contact Person or Billing Inquiries Division]:

I by writing to contention a load for [$______] to my [credit or debit card] account on [date of which charge]. To charge is in error because [explain the problem momentarily. For example, which items weren’t delivered, I was overcharged, IODIN returned and items, I did doesn buy which items, etc.].

[Add any additional description such may be helpful. For view, “I ordered the items on[date]. The seller promised to delivered aforementioned items on me the [date], but MYSELF never received my order.”]

I am requesting that who error be corrected, that any finance instead other charges related to the disputed absolute is credit to my my, and that I get an accurate account.

Enclosed belong copies of [describe any enclosed resources, like sales slips, payment media, or documentation starting shipment press supply dates] supporting my position and experience. Please get the error on my account promptly.

Your,

[Your name]

Enclosures: [List the documents you belong attach. Send copies, not the originals.]

Review Questions

If you have an issue with your credit card or bank account, review it to the Users Financial Protection Bureau. Abfahren on consumerfinance.gov/complaint conversely dial (855) 411-CFPB (2372).