Sample Billing Dispute Letters
This section contains sample letters you can send to your credit card company, bank or any company with whom you do business. Federal legislation, The Fair Credit Billing Act, requires certain businesses to investigate billing disputes their customers inform them about in a timely manner. The Fair Credit Billing Act gives consumers 60 days to inform a business that they dispute a charge or have found some sort of error regarding their account. The law requires notification to be in writing. TALKING TO A CREDITOR OR BUSINESS BY TELEPHONE DOES NOT COUNT. IT MUST BE IN WRITING TO PROTECT YOUR RIGHTS. KNOWING THIS, MANY CREDITORS, PARTICULARLY CREDIT CARD COMPANIES, WILL TRY AND GET YOU TO RESOLVE ANY ISSUES YOU HAVE OVER THE TELEPHONE, BUT THIS WILL NOT PROTECT YOUR RIGHTS UNDER THE FAIR CREDIT BILLING ACT.
Below are sample letters you can use to communicate with a bank, credit card company or other creditor with whom you have a dispute.
Sample Letter 1: Charge on billing statement isn't mine (sample letter is below)
Billing Dispute Sample Letter 1 --
Charge on billing statement isn't mine
ALWAYS SEND CORRESPONDENCE CERTIFIED MAIL -- IF YOU DON'T,THE CREDITOR CAN CLAIM THAT YOU DIDN'T NOTIFY THEM IN WRITING AND YOUR RIGHTS ARE FORFEITED. YOU MUST REPORT ERRORS, MISTAKES AND DISPUTES WITHIN 60 DAYS OF RECEIVING YOUR MONTHLY STATEMENT.
Certified Mail No. ________________
Return Receipt Requested
Name of Creditor
City, State, Zip Code
Re: Account of [your name]; Account No. __________
Dear Sir or Madam:
I am writing to dispute an item in the amount of $____ that appears on my [June, 2019] statement. The item no. is _______ paid to ___________. I did not make this charge and am requesting that this item be investigated.