Credit Card Charge Dispute Letter
Dispute an unauthorized or incorrect credit card charge.
When to Use This Template
Use this to formally dispute a credit card charge under the Fair Credit Billing Act, unauthorized charges, goods not received, goods not as described, duplicate charges, or incorrect amounts. Your issuer must investigate within 90 days.
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[Your Full Name]
[Your Address]
[City, State ZIP]
[Date]
[Credit Card Issuer Name]
Billing Inquiries / Disputes Department
[Issuer Address]
[City, State ZIP]
Sent via Certified Mail, Return Receipt Requested
RE: Notice of Billing Error, Account Ending [Last Four Digits of Account Number]
Dear Billing Disputes Department:
I am writing to dispute a charge on my credit card account ending in [Last Four Digits of Account Number]. This letter is my written notice of a billing error under the Fair Credit Billing Act, and it is being sent within sixty days of the statement on which the error first appeared.
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Frequently Asked Questions
How long do I have to dispute a credit card charge?
Under the Fair Credit Billing Act (FCBA), you generally must send a written billing-error dispute within 60 days after the first statement containing the error was sent to you. Send it to the issuer's billing-inquiries address, which is often different from the payment address.
Do I have to pay a charge while it is being disputed?
You are not required to pay the disputed amount, or finance charges on it, while the issuer investigates a properly filed FCBA dispute. You must still pay the undisputed portion of your bill.
What counts as a billing error under the FCBA?
Unauthorized charges, charges with the wrong amount or date, charges for goods or services you did not accept or that were not delivered as agreed, math errors, and statements sent to the wrong address, among others.
What is the difference between a dispute letter and a chargeback?
A chargeback is typically initiated through your issuer's online process under card-network rules, while a written FCBA dispute letter preserves your formal legal rights under federal law. For larger amounts, sending the written letter is the safer route.
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Important Disclaimer
This template is provided for informational and educational purposes only and does not constitute legal, financial, medical, or professional advice. Every situation is unique. You should consult with a qualified attorney or licensed professional before sending any formal correspondence, especially for matters involving legal rights, government agencies, financial disputes, employment issues, or family court proceedings. Use of this template does not create an attorney-client or professional-client relationship. Formal Letter Templates is not a law firm and does not provide legal services.