Credit Card Dispute Letter

You can use this credit card dispute letter to dispute any purchases listed on your credit card statement that you did not make. Also, any errors that appear on your statement can also be disputed using this letter. In your letter, be sure to describe exactly what the error is, any description, amounts, names & numbers of people involved. You should also attach a copy of any receipts, credit contract or a bill of sale, etc.

Click here to get an MS Word format version of this letter. A .doc file will open up and save it to your Desktop. This way you can easily retrieve the file.

Date Today (mm-dd-yyyy)

Your Name
Your Address

Credit Card Company's Name
Mailing Address

Dear (Mr. Credit Card Lender),

I am disputing an item listed on my credit card statement issued on (yyyy-mm-dd). Please note that this letter is within the 60 day period allowed by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Billing Act (FCBA). I cannot determine what that charge is for after looking at all my records. Please send me a copy of any documents you have that relates to this item.

Here are the details of my dispute:

Name: (Insert your name as it appears on your credit card statement)
Date of Statement: (Insert the date when the credit card statement was issued)
Account #: (Insert Credit Card Account #)
Date of Transaction: (The date when the disputed transaction occured)
Description of Transaction: (Write the description listed on your credit card statement)
Error: (Enter the error that was made, if it was an incorrect amount, list the amount $00.00)
Explanation: (Insert why you think that item is invalid and why you are disputing it).

According to the Fair Credit Billing Act, you have 30 days to respond to my dispute. Furthermore, you have upto 90 days to inform me in writing why you think the credit card statement is correct. Until then, I will pay all my credit card bills except for the above disputed item.


(Your Signature)
(Your Printed Name)