Letter

Billing dispute letter

Dispute an error on your credit card bill, in writing, the way federal law requires.

Your details

Fill in what you know — anything blank stays highlighted in the letter.

Your name

Your mailing address

Today's date

Card issuer's name

Address for billing errorsPrinted on your statement for billing errors or inquiries — often not the payment address.

Account number

Date of the statement showing the error

Date of the charge

Amount

Merchant or description on the statement

What's wrong?

Details (optional)A sentence or two: what happened, any order or confirmation number.

I'm enclosing copies of receipts or other documents

[Your name]
[Your address]

[Date]

[Card issuer's name]
[Billing-error address]

Re: account number [Account number]

Dear [Card issuer's name],

I am writing to dispute a billing error on my statement dated [Statement date].

The charge is for [Amount] on [Charge date], from [Merchant]. I did not make or authorize this charge.

Please correct this error, credit my account for the disputed amount and any related finance or other charges, and send me a corrected statement.

I understand that while you investigate, I do not have to pay the disputed amount or related charges, and that you may not report that amount as delinquent (12 CFR 1026.13).

Sincerely,

[Your name]

Fill in the highlighted blanks before you send it.

Before you send it

It must reach the issuer within 60 days after the first statement that showed the error.
Send it to the billing-error address on your statement, by certified mail with a return receipt. Keep a copy.
Keep paying the rest of your bill on time. Send copies of receipts, never originals.

Nothing you type here is saved or sent anywhere.