How to write a credit card dispute letter

How to write a credit card dispute letter

Reading through your credit card statement each month is a good practice to confirm all the transactions you were billed for are actually yours. You’re responsible for any charges you don’t explicitly dispute, so if you spot an error, you should inform your credit card issuer quickly to clear up the error.

How to Dispute a Credit Card Billing Error

Writing a letter to dispute a credit card billing error is the best way to protect your rights under the Fair Credit Billing Act, a federal law that protects consumers against unfair credit billing practices.   Sending your letter via certified mail will give you a timestamp in case you ever need to prove that you made your dispute in time.

The Fair Credit Billing Act only applies to revolving credit accounts, like a credit card or a line of credit. Installment loans or other types of fixed credit agreements aren’t covered by the law.

The FCBA allows you to dispute a few types of billing errors. The list includes:

  • Billing errors
  • Unauthorized charges
  • Charges for goods or services you didn’t receive
  • Charges for the wrong amount
  • Math errors on your credit card statements
  • Payments or credits that didn’t post to your account.

You can also dispute bills that weren’t mailed to you, unless you failed to notify your credit card issuer of changes to your address at least 20 days before the end of the billing cycle.

Timeframe for Credit Card Disputes

You must send your dispute letter within 60 days that the billing statement containing the error was mailed to you. Your credit card issuer is not legally required to resolve billing errors that you dispute after these 60 days and you may be on the hook for those charges, despite the fact that they were inaccurate.  

Many credit card issuers will investigate your dispute even if you make it by phone, as long as it’s within the 60-day window. Following up with a letter gives you an extra layer of protection and gives you an opportunity to provide proof that supports your claim.

Once the credit card issuer receives your dispute letter, they’re required to respond in writing within 30 days and resolve the dispute within two billing cycles of receiving your letter. In the meantime, you’re not required to pay anything on the disputed charges while the credit card issuer investigates, but you do have to make any other required minimum payments and finance charges. Missing your required minimum payment will lead to a payment, a late fee, and possibly a late notice added to your credit report.

What to Put in Your Credit Card Dispute Letter

The dispute letter can be simple – an example is included below. In your letter, include the transaction or transactions that you’re disputing and the reason you’re making the dispute. Send copies of any proof, e.g. a receipt, that support your dispute.

If you’ve already called about the error, mention the date and time of the phone call in your letter and the name of the representative who assisted you.

When you’re ready to mail off your billing error dispute letter, check your credit card statement for the credit card issuer’s address for correspondence. Note that this address is usually different from the address where you mail your payment.

Below is a sample letter you can use for credit card billing disputes (not for credit report errors, which require a different kind of letter). Be sure to customize the letter with your personal information, including your credit card account number or at least the last four digits of the account number. Keep a copy of the letter with the original receipts or other proof for your records.

A dispute letter is written when a dispute emerges between two parties or more regarding delayed services or non-payment of dues. The Dispute letter Sample template is given below to learn how to write letter when the dispute arises.

Essential points to keep in mind while writing a dispute letter are: –

  • The litter should be short and brief.
  • Language used should not be threatening.
  • Letter should focus on the problem and how the dispute can be settled.
  • It should provide the details of the dispute.
  • Details in the letter should be precise.
  • It should serve as a warning letter to the receiver before legal action is taken.
  • It must contain a deadline after which the dispute will be taken to the court of law.

When to write Dispute letter?

Dispute means non-agreement on the working clauses or confrontation and arguments on the agreement which generally leads to cancel the contract or agreement in case the dispute is not being settled between the two parties or groups.

Dispute letter is a letter written by a person or an organization to inform the other party that we are going to take a legal action against you now and the reason behind writing a dispute letter can be anything. Refer to the sample Template for example.

For Example: if the other party denies for payment or not working according to the contract then a situation of dispute gets created.

This letter is basically a final warning letter given by an organization to the other party to make the full and final otherwise the company can take a legal action and after this letter is issued to a party by a person or an organization there are chances that the two companies will end up working together in future.

Mostly the reason behind sending a dispute letter is when a company denies for making the payment which is left and to give a last chance to that party for making the payment. Sending a dispute letter means warning is issued .This letter is considered as a final warning for the other party and if neglected then they have to face the repercussions or further legal action which can lead to notice letter from court.

What is Credit Dispute Letter

A credit dispute letter is written in case you find some misleading or inaccurate information or discrepancy in your credit report. Credit dispute letter is written to the creditor or to the credit bureau agency to that you have noticed something wrong or not correct on your credit report. Generally, such a letter has lot of value and it has to be correct and should not lower down your credit score or credibility. This type of credit report dispute letters are notify the credit bureaus being into the noticed that there a problem with the report issued by them and request for correction / delete or updated the information given in the report without using the legal ways to do this all.

How to write a Credit Report Dispute Letter?

Once you are sure about the mistake and notified it correctly and acknowledge negative impact on your credit profile then it is a right time to write a dispute letter for your credit report. You can choose to send letter to the Agency by using Govt. registered or certified mail service and what is important is to keep a Receipt. Nowadays, most of the agencies allow and welcome online complaints so one can choose online process given on the agency’s official website.

Important 8 points to be kept in mind while writing a Credit Report dispute letter:

  1. Write you’re full and Correct Name
  2. Mention the Complete and Address
  3. Attach a copy of ID (Identity Proof) issued by the Govt. Authorities.
  4. Add your Utility Bill or Bank Statement (if possible)
  5. Highlight the Error / Mistake or the reason of dispute properly
  6. Mention Reference Number of Id if any
  7. Attach a copy of Credit Report for ready reference
  8. Finally, Request for resolving / correcting the Credit Report and Re-Issue it again for better credit purpose.

Find below some Dispute Letter, Credit Report Dispute letter Sample template in doc and pdf format available for easy download and quick uses

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Use these sample credit card charge dispute letters as templates for your formal dispute letter.
Last updated on January 16th, 2019

There are many billing errors that would necessitate a credit card charge dispute letter. On most credit card bills there is the fine print that says calling about billing errors will not preserve the consumer’s rights. This is why the dispute needs to be in writing.

Some of the most common reasons for disputes are:

  • Charged twice for the same item
  • Failure to credit a payment to the account
  • Charged for merchandise not received or returned
  • Math mistakes
  • Unauthorized charges
  • Charges with the wrong date or amount


​Errors can be Corrected

​ These errors can be corrected through dispute settlement procedures that are provided by the Fair Credit Billing Act (FCBA). If these procedures are not followed, the consumer could lose the dispute because of a technicality such as not filing within the time limit or not informing of the dispute in writing. The FCBA applies only to billing errors and not to disputes about the quality of goods and services.

The time limit for notifying the credit card company about an incorrect charge is 60 days from the date the bill was mailed. The credit card company must resolve the dispute in less than 90 days or within two billing periods after they have received the consumer’s letter.

The letter should be sent to the correct department for disputes such as the dispute department or billing enquiries. It should not be sent to customer service or to the address where bills are paid. Consumers can call the credit card company or look in the billing rights summary on the statement for the correct address.

While the credit card company is investigating the dispute, the consumer may withhold payment for the disputed amount. However, other parts of the bill that are not in dispute must be paid.

​The credit card company may not take any legal action against the consumer during the investigation, and the account may not be closed or restricted, but the disputed amount may be applied against the consumer’s credit limit. ​

​Decision Must be in Writing

​If the dispute ends in favor of the consumer, all charges, late fees and any other charges that are related to the error must be removed, and the consumer must be informed of the decision in writing. If the dispute ends in favor of the credit card company, the consumer may appeal the result in writing within 10 days after receiving the explanation from the credit card company.

At this time, the credit card company my begin proceedings to get the money from the consumer, but if the consumer has sent written objection, this must be included by the credit card company when they report to any credit reporting company. If the consumer’s credit report has been affected negatively, the company must report the continuing process to each person who got a copy of the report.

​If the credit card company does not follow correct procedures in relation to a dispute, and the consumer who is disputing can prove it, the credit card company cannot collect any money from the consumer even if the investigation ends in the credit card company’s favor. For this reason, it is important for the consumer to be sure everyone is following FCBA rules.

Here are sample credit card charge dispute letters. They should be sent by certified mail, so the consumer has proof the letter was sent and received as well as proof of the date on which it was sent. The consumer should save the originals of any documents or statements sent.

​Sample 1 – Credit Card Charge Dispute Letter
Consumer’s Name
Consumer’s Address
City, State, Zip Code

Dispute Department (Billing Inquiries)
Credit Card Company
Street Address or P.O. Box
City, State, Zip Code

Re: CONSUMER’S ACCOUNT NUMBER

Dear Credit Card Company,

I am writing to dispute an incorrect charge on my statement of DATE. I have enclosed a copy of my DATE statement and circled the disputed charge.

​I dispute this charge because I have been charged twice for the same item. I have also enclosed copies of evidence that supports my dispute.

Under the Fair Credit Billing Act, I am requesting the incorrect charge from my statement be removed and an accurate statement be mailed to me.

Thank you for your attention to this matter.

Consumer’s Signature
Consumer’s Printed Name
List of Enclosures​

​Sample 2 – Credit Card Charge Dispute Letter
Consumer’s Name
Consumer’s Address
City, State, Zip Code
Credit Card Account Number

Name of Credit Card Company
Billing Inquires
Credit Card Company’s Address
City, State, Zip Code

Dear Sir or Madam:

This letter is a formal dispute for a charge on my account for the amount of $$$. This charge should not be made to me because I returned the merchandise in question and received a full refund. I would like to request that the error be corrected, and the amount be removed from my record.

​If there are any related charges, they should be removed too. I would like to receive an accurate copy of my credit card statement when this item is removed.

I have enclosed copies of the receipt for the returned item that clearly shows the purchase was cancelled and a refund given. Please investigate the incorrect charge on my bill and correct the error as soon as possible. If any further information is required, I can be reached at 555-123-4567 or at [email protected]

Sincerely,

Consumer’s Signature
Consumer’s Name Printed
List of Enclosures

By Andre Bradley

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[Date]

[Your Name]

[Your Address][Your City, State, Zip Code]

[Business Name]

[Street Address][City, State, Zip Code]

Subject: Disputing Information in Credit Report

I am writing to dispute the following information that your company supplied to [give the name of the credit bureau whose report has incorrect information]. I have circled the items I dispute on the attached copy of my credit report(s).

This item [for instance: retailer account at ABC Department Store and the account number] is inaccurate [or incomplete] because [describe in detail what is inaccurate or incomplete and why] I am requesting that [business name] have the item removed [or request another specific change to correct the information.]

[Add list and description of other disputed items, if that applies.]

Enclosed are copies of [my credit report and any other documents enclosed with a short description, for instance, your record of payments made] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [or correct] the disputed item(s) as soon as possible.

[Your name]

Enclosures: [List what you are enclosing]

Printable Word and Excel Templates

How to write a credit card dispute letter

Dispute Letter to Credit Card Company

It is very common to see errors in the bank statement of the credit card you are using. This happens due to many technical faults or sometimes, because of not providing information to the system of the bank in time. People are advised to go through their bank statements thoroughly at the end of every month so that they can be sure that there is no error in the transactions that have been carried out to and from their accounts.

What is a dispute letter?

A dispute letter is a kind of formal letter which is written to the authorities of the credit card company to let them know about the inaccuracies that have been seen in the credit report and in the bank statement.

Why it is important to write the dispute letter?

In the business world, there is a proper to communicate your problems to other people. The most appropriate way to communicate is to write the letter with the issue you want to be resolved. Hence, you should write the dispute letter considering the importance of conveying your problem.

When you write a dispute letter, you make sure that your issue will be resolved by the credit card company as soon as possible. The dispute letter also becomes tangible proof that you have conveyed the problem with the supporting documents, and you deserve to be compensated for the loss. In case the company does not pay heed to your request or problem, you can take legal actions using the dispute letter as proof.

When you dispute the error, you actually exercise your legal rights and this is the best thing that you can do in order to protect your rights and money. Hence, never ignore disputing the error whenever you see the one.

When to write the dispute letter to the credit card company?

Writing a dispute letter is important. However, it is even more important to know when to write this letter. If you write this letter in the most appropriate situation, you make the best use of the dispute letter. Below are some scenarios in which you can dispute the problem that you have faced due to the credit card company.

  • When there are billing errors:

A credit card company sends the credit card bill at the end of every month. Sometimes, the bill is more than the actual amount. If this happens, you should dispute the billing errors.

  • When there are unnecessary charges:

Sometimes, the credit card company deducts different charges from our balance and then shows these charges in our credit report. If we feel that the charges are not authorized, you should dispute them.

  • When you have not received the product you purchased

With the help of a credit card, sometimes we make an advance payment. Oftentimes, we don’t receive the product but the money is deducted from our account. When this happens, we can ask the credit card company to either send us our money back or make it possible for the product we have purchased to reach us.

  • When there are errors in credit card report:

There are many other types of errors that can be seen in the report. You should not tolerate any error whether it is in the amount you have spent or any other area. Dispute the issue and get it resolved.

Sample Letter

Date of writing the letter:

Name of the sender
Address of the sender
Account number of senders

I am writing this dispute letter because I have seen an error in the amount that is present in my account. The error is 100$. This amount is not correct because I canceled the order that I placed online using the credit card and the merchant told me that he has also canceled the order and no transaction has been carried out. However, the money did not return to my account and therefore, an incorrect amount is being shown.

I am enclosing required documents with this letter that you will find helpful in determining how they support my claim.

I would like to request you to correct the error in the amount as soon as possible.

Name of the sender

How to write a credit card dispute letter

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How to write a credit card dispute letter

If you’ve been battling to have your credit report amended with the credit bureaus, don’t give up just yet. It might sound obvious but people often forget to go back to the source such as the lenders or credit card companies themselves. Sending a credit dispute letter to lenders, as well as to the credit bureaus, is actually often a good idea. Then again, don’t forget that you can also reach out to credit repair companies who will be able to devise a proper strategy for your particular case.

Writing a Credit Dispute Letter to Credit Card Companies

Once you’ve received your credit reports from the bureaus and identified the errors then you’ll need to request for them to be fixed. Each of the 3 credit bureaus, Equifax, Experian and TransUnion have an online process you can follow. Regardless, it’s wise to send a manual letter to both the bureaus and your credit card companies with clearly typed up with all the information. We don’t live in a perfect world and these processes can take time. It’s therefore good to have proof of dates and facts and to give both parties all the details.

Don’t forget that a credit repair company can do all this for you. However, you can of course do it yourself for free and in your own time. Simply follow the steps below when writing your credit dispute letter:

  • Prove your identity
  • State the errors
  • Provide the actual facts with evidence
  • Request for amendments

Prove your Identity

It’s important to remember to include a copy of your passport or your driver’s license. If you don’t have either of these then you’ll have to use your social security card. Make sure you don’t send the original documents though and only a photocopy along with your credit dispute letter.

State the errors

The main point of a credit dispute letter is to highlight the errors from your credit report. It’s very easy to get this report from each of the bureaus but then you’ll have to spend time going over the details. Make sure you cross-check everything because it’s illegal to question anything that’s actually correct in your credit report. Once you’re sure though, it can be useful to include a copy of your credit report and to highlight the relevant line items. It’s then easier to refer to them in your credit dispute letter.

Provide the actual facts with evidence

This next part should be carefully explained and detailed. It’s important to state why you think the details are wrong and what they should be replaced with. You’ll need some form of proof which could include receipts or other proof of payments. If you’re not sure then this is the time to call a credit repair company.

Request for Amendments

It might sound obvious but state clearly what you’re asking for. For instance, do you want line items to be deleted or changed? Finally, politely end the letter with the formal ‘sincerely yours’.

Why Work with a Credit Repair Company?

Of course, writing a credit dispute letter isn’t difficult but the details can get tricky. Depending on your situation, you might therefore appreciate having a credit repair company to help you. They’ll be able to support you with the following:

  • Prioritizing your errors
  • Presenting your case
  • Supporting any legal proceedings

Prioritize your Errors

Each of the credit bureaus work out your credit score slightly differently. It also changes again whether it’s being used for a car loan or mortgage or anything else. This adds complexity because not every error has the same weighting and each one impacts your overall credit score differently. Then, the amount of your debt owed and for how long also play a part. So, if you have several delinquencies then it’s useful to work with a credit repair company. They’ll be able to prioritize your different items and work with you to make the biggest improvement to your credit score.

Present your Case

Finding the right documents to prove the errors on your credit report can be tough. It’s about being strategic and knowing what credit card companies pay attention to. Again, credit repair companies are experts and know which documents to present and what language to use to best support your case.

Support your Legal Proceedings

If your case has got to the point where you’re being sued then you’ll definitely need expert advice. As you can imagine though, credit repair companies are well-versed in legal processes and will be able to evaluate your case and develop the best approach to help you.

Final Recommendations for Writing a Credit Dispute Letter to Credit Card Companies

Even if you’ve already disputed your errors with the credit bureaus, it’s wise to also communicate with your credit card companies. This ensures a smoother process and a higher chance of your credit report being fixed more quickly. Then you simply lay out all the facts into your credit dispute letter. It’s worth bearing in mind though that credit repair companies can do everything for you especially if you have a more complex case. They know these processes inside out and what works best. You’ll benefit from their years of experience as well as having someone to take away the hassle of these things. Don’t forget also that the best credit repair companies offer you a full money back guarantee. So, what have you got to lose?

Are you happy with your credit report? If your score is 700 or above, you might be but if it is 600 or below, you should worry because you will be paying more when you try to get a loan or purchase something. If you believe that your credit score should be higher, you should know how to write a credit repair dispute letter.

Before you can write your credit repair dispute letter, you must first a copy of your credit report. You can get this for free from one of the three credit agencies namely Equifax, Experian or Trans Union.

How to write a credit card dispute letterWhen you get the copy, review it carefully and check if there are any errors. Take note of each one and then being composing your letter.

Since the credit agencies gave you the report, the errors you want to dispute must be addressed to them. Since the report from the three credit agencies may be different, it will be a good idea to send each one a copy so everyone is on the same page with regards to your credit standing.

Don’t make the mistake of putting all the errors in one letter. It is best to dispute each claim one at a time so the credit agency will not think that you are simply pulling their leg. You don’t have to wait for a reply before sending another one it’s just that each claim must be handled delicately so a proper investigation into the matter can be done.

You should give the credit agency time to reply to the claims you have disputed. This is because the credit agency will conduct their own investigation before sending you a reply. To make their work a little easier, send supporting documents when you write the credit repair dispute letter.

It may not be a big deal but when you write a letter to the credit agency, consider writing it rather than typing this and printing it on paper.

To prove a point, it is best to use strong words like erroneous, outdated, misleading or unverifiable. Remember, you don’t have to explain in detail why you are complaining because the supporting documents and an investigation will make the truth come out.

For people who have never written a dispute letter before, there are some samples which you can copy online. Just change the name, the date and a few other details because your concerns are different from what was laid down as a guide.

When you finished writing the credit repair dispute letter, mail it using the postal service and just wait. Normally, it will take 2 week to a month before they receive it. If the investigation has shown that you are right, you will receive a new credit report 2 to 4 weeks later with a higher credit score.

Since 1970, the Fair Credit Reporting Act of FCRA has been in place to give people the opportunity to dispute the claims that are printed on their credit report. If you feel that the report is false, don’t just accept it but take steps so this can be changed.

Now that you know how to write a credit repair dispute letter, get a copy of your credit report and then review it thoroughly.

If you’ve recently received copies of your credit report, you may have noticed an ‘Inquiries’ section towards the bottom of the report.

How to write a credit card dispute letter

In most cases, this section has minimal impact on your credit. But the way you manage your credit, particularly the way you apply for credit, can end up making a big difference if not facilitated correctly.

Learning about credit inquiries can also help you spot any potential credit fraud. If you have hard inquiries on your credit report that you’re sure you didn’t make, it could be a sign of identity theft.

Read on to find out everything you need to know about what credit inquiries are, how they affect you, and how to get rid of them.

What is a credit inquiry removal letter?

A credit inquiry removal letter is used to dispute an unauthorized inquiry. It is sent to the credit bureaus to request that a credit inquiry be removed. Once the credit bureaus receive your letter they are obligated to investigate your claim with the creditor who placed the inquiry on your credit report.

Under the Fair Credit Reporting Act , the information provider has 30 days to report back to the credit bureau with proof that you authorized the credit inquiry. If they fail to respond or fail to provide proof, the credit inquiry must be removed.

Credit inquiries don’t have a major impact on your credit score. However, if you have too many in a short period of time, they can definitely damage your credit. That’s why it’s important to have unauthorized credit inquiries removed from your credit report.

How to Write a Credit Inquiry Removal Letter

Sometimes companies and individuals make hard inquiries that were not authorized by you. In those cases, there is a way to have the inquiry removed and to improve your credit as a result. It’s called a “credit inquiry removal letter” or a “credit inquiry dispute letter.”

Even if a hard credit inquiry is “questionable” and you are not sure if you made it or not, you can dispute it as the burden of proof is on the credit bureaus and your creditors.

We have prepared a sample letter to send to the credit bureaus requesting an investigation of an unauthorized inquiry appearing on your credit report.

Credit Inquiry Removal Letter Template

Be sure to send via certified mail rather than standard mail delivery to get a faster response and ensure your letter is received.

Try to make the letter appear more personal than this form letter, but make sure to use your own words. Remember, this is just an example. Your letter should look similar to this: