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Sample Unauthorized Credit or Debit Card Charge Dispute Letter

Below is a sample dispute letter that a consumer can use to dispute credit or debt card transactions that are fraudulent or inaccurate. This could be an unauthorized purchase of an item at a gas station or on Amazon. This letter could also be used to dispute ACH transfers, such as Zelle or Venmo. As always, send this letter via certified mail so that you have proof of mailing.

Use this sample letter to help you write your dispute letter.


[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 of disputed charge to Account No. [Your account number]

Dear [Contact Person or Billing Inquiries Division]:

I am writing to dispute a charge of [$______] to my [credit or debit card] account on [date of the charge]. The charge is in error because [explain the problem briefly. For example, the items weren’t delivered, I was overcharged, I returned the items, I did not buy the items, etc.].

[Add any additional explanation that may be helpful. For example, “I ordered the items on[date]. The seller promised to deliver the items to me on [date], but I never received my order.”]

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Enclosed are copies of [describe any enclosed information, like sales slips, payment records, or documentation of shipment or delivery dates] supporting my position and experience. Please correct the error on my account promptly.


[Your name]

Enclosures: [List the documents you are enclosing. Send copies, not the originals.]

Please note, this is not legal advice, but merely to give an example of what a letter could look like. We highly recommend that you consult with an attorney if you believe that your rights have been violated.

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