Credit Card or Billing Dispute Letter
Use this complaint letter template to dispute a credit card or billing error under the Fair Credit Billing Act.
When to use this letter
Send this when you spot a duplicate charge, an unauthorized transaction, goods or services you never received, or an incorrect amount on your credit card statement. A written dispute under the Fair Credit Billing Act (FCBA) starts a formal investigation and protects you from having to pay the disputed amount while it's under review.
What to gather
Statement showing the charge, receipts or order confirmations, and any prior correspondence with the merchant or card issuer.
What to include in your letter
Include your account number, disputed transaction details, why the charge is wrong, and what correction you expect. Ask for a written result of the investigation and keep your request precise.
Sample opening
"I am writing to dispute a charge under the Fair Credit Billing Act (FCBA). Account number: [NUMBER]. Disputed amount: $[AMOUNT]. Date of charge: [DATE]."
What happens after you send
Card issuers review the dispute and may request additional documentation. Keep all records in one place so you can respond quickly if they ask for proof.
Billing dispute FAQ
Is this only for credit cards?
This template is tailored to credit card billing disputes. Debit card disputes can follow different rules depending on your bank.
Can I dispute charges I already paid?
Often yes, if the charge is still within the issuer's dispute window. Include the payment date and why you still contest the charge.
Should I contact the merchant first?
Yes, when practical. Include that outreach in your letter so the issuer can see your timeline.
Related resources
- How to write a complaint letter
- Dispute credit card charges under FCBA
- All complaint letter templates
- Medical billing dispute template
Letter preview
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