SAMPLE CREDIT CARD DISPUTE
Use this letter to dispute an incorrect charge on your credit card bill.
For best results, send this letter within 60 days after receiving the first statement
containing the incorrect charge
State the reason for your
dispute. Common reasons to
dispute a charge are that you did
not make the charge, that you did
not receive the goods or services
you paid for, or that you received
them but they were poor quality.
You can dispute a late fee on the
grounds that you paid on time.
Your Name
Your Street Address
City, State ZIP Code
Date___________________
CERTIFICATE OF MAILING
Dispute Department
Credit Card Company
Street Address or P.O. Box
City, State, Zip Code
Re: Your Account Number
Dear Credit Card Company:
I am writing to dispute an incorrect charge on my state-
ment of [fill in DATE of statement]. The charge I dis-
pute is also circled on the attached copy of my state-
ment.
I dispute this charge because
I have attached the following evidence in support of my
dispute:
Please investigate this dispute and provide me with a
written statement of the outcome. Thank you.
Sincerely,
Your Name
Source: National Consumer Law Center, Guide to Surviving Debt
Fill in your account number here.
Here, list the evidence you will
attach in support of your
dispute, such as a police report,
proof of payment, or other
evidence. Include copies (not
originals) of this evidence with
your letter.
Make sure to mail your letter
with a certificate of mailing
and keep the proof of mailing for
your records.
To find the address, call your
credit card company or look in
the “billing rights summary” on your
statement.
New York City Consumer Financial Justice Project — © 2006 NEDAP
Hotline: (212) 925-4929
http://nedap.org/resources/consumer.html
