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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 is dated 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 what the charge
is for. I need more information about line item {place the line item number or
description here}. Please send copies of any documents you have pertaining to
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
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