Free letter template
Credit card billing-error dispute letter (Fair Credit Billing Act)
Sent to your card issuer's billing-error address, this letter triggers the Fair Credit Billing Act's dispute protections for a wrong or unauthorized charge.
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Re: Billing error dispute, account ending [Card number (last 4 digits)]
To [Card issuer]: I am writing to dispute a billing error on my account ending in [Card number (last 4 digits)]. Merchant: [Merchant] Date of charge: [Charge date] Amount: [Amount] [Why it's an error] Please correct this billing error, credit the amount and any related finance charges or fees, and send me an accurate statement. Enclosed are copies of supporting documents. Sincerely, [Your name]
When to use this letter
- A merchant charged you after you cancelled
- A charge is wrong, duplicated or for something you didn't receive
Where to send it
Use the billing-error or billing-inquiries address on your statement, not the payment address.
Tips before you mail it
- Add your cancellation letter and return receipt as extra pages.
- Keep paying the undisputed part of your bill.
The full template text
Re: Billing error dispute, account ending {{last4}}
To {{issuer}}:
I am writing to dispute a billing error on my account ending in {{last4}}.
Merchant: {{merchant}}
Date of charge: {{chargeDate}}
Amount: {{amount}}
{{reason}}
Please correct this billing error, credit the amount and any related finance charges or fees, and send me an accurate statement. Enclosed are copies of supporting documents.
Sincerely,
{{signature}}Text in {{double braces}} is filled in from the form above. This is a general template, not legal advice.