Credit card dispute letter

Have you discovered an error on your monthly credit card bill? Do you need a credit card dispute letter?

The Fair Credit Billing Act (FCBA) outlines your specific rights and your credit card company’s specific responsibilities when you dispute an item on your credit card bill. When disputing credit card bills, always do so in writing and in a timely manner. In your letter provide specific facts, descriptions, figures, names, dates, locations and so forth. Equally important is including a certified copy of receipts, a bill of sale, the credit contract and any other document that support your claim.

Credit card dispute letter

Feel free to copy and paste the text into a word processor.

Click here to download in pdf

FREE Sample Letter for Disputing Errors on Credit Card Bills

Today’s Date

Your Full Name
Current Address
Current Phone Number

Name of Credit Card Company
Mailing Address (check your statement for the correct address! It’s usually different than the one you mail payments too)
City, State, Zip

Dear {Insert name of Credit Card Company from statement}

I am disputing an item on my statement, dated {insert date of statement}. Please note that this letter is dated within the 60-day limit required under the Fair Credit Billing Act.

or use the following paragraph instead

I am disputing an item on my statement dated {insert date of statement} because I am unable to determine from my records what the charge is for. I need more information about line item {place the line item number or description here}. Please send copies of any documents you have pertaining to this item.

Please use the following information to investigate my claim:

{Insert your name as it appears on your credit card statement}

Date of Statement: {Insert the date from the statement you are disputing}

Account Number: {Insert credit card account number}

Date of Transaction: {Insert date from statement}

Description of Transaction {Copy from statement}

Describe Error: {If disputing dollar amount, insert amount using $0.0 format}

{Insert explanation of why you believe an error occurred} see more examples below

I understand that you have 30 days to respond and 90 days to either resolve my dispute or inform me in writing of why the bill is correct. Until then, I will pay any amount due except for the amount in question and await your letter explaining all actions taken concerning this dispute.

If your investigation shows the information to be accurate, I respectfully request that you provide an explanation of your findings, a statement of what I owe, including any finance charges that have accumulated and any minimum payments I’ve missed while questioning this bill. If I agree with your findings, you can expect my payment in the amount you say I owe within the 10-day limit allowed under the Fair Credit Billing Act.


Printed Name

Reasons for disputing credit card bills. Select one to insert in the letter above.

      1. You didn’t buy the item in question;
      2. Someone not authorized to use your account made the purchase;
      3. The item is not properly identified on your bill;
      4. The amount is different from the actual purchase price;
      5. The amount was entered on a date different from the purchase date (important when interest is charged by the day)
      6. You did not accept delivery on an item or it was not delivered according to agreement;
      7. The bill contains arithmetic errors, (Look at the date on the postmark. If your account is one on which no finance or other charge is added before a certain due date, then creditors must mail their statements at least 14 days before payment is due).
      8. The bill does not show a payment or other credit to your account; (Look at the payment date entered on the statement. Creditors must credit payments on the day they arrive, as long as you pay according to payment instructions).
      9. The bill is not being mailed to your current address, (use only if you told the creditor about an address change at least 20 days before the end of the billing period);
      10. The bill contains a questionable item, or an item for which you need more information.

You may be able to settle disputed debts and even debts you don’t dispute for less than the full balances. Complete this online debt settlement consultation form and let Attorneys For Consumers in your state assess your current situation and find a trustworthy solution.

If you would like to dispute a debt that collector’s are claiming is yours, or if you dispute the amount of debt that is owed, Attorneys For Consumers can help you! Simply:

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

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