Credit Card Transaction Dispute Letter

While using plastic money, you may find yourself in a situation where you become the victim of unfair billing. It can be anything like your merchant putting the wrong amount in the receipt or they charged for something which you did not purchase. Sometimes, your credit card company can charge you for late payment despite of the fact that you cleared your debt in time.

In these kinds of situations, all you need is to write a credit card transaction dispute letter to the relevant authority. In this letter you need to provide the complete information of the company, amount, account number, transaction number and description of that transaction.

In the opening paragraph of your letter, you should come to the point straight away so that your addressee starts reading your complaint without any ambiguity. Provide your addressee the complete information of your account/card number, transaction number, date of that transaction and the disputed amount.

Use the second paragraph to give the reason of your complaint and request a proper investigation regarding this matter. Remind your addressee to check the attached documents.

Next you will provide your contact information and then close the letter with proper greeting.


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    Sample of Credit Card Transaction Dispute Letter:

    Adam Parker,
    61 Harley Street,
    Green Zone,
    Montreal – 675189

    August 17, 2009.

    Billing Department,
    Pay Pal Company,
    56 Beverly Hills,
    Montreal – 670913

    Dear Sir,

    I am writing this letter to report a case of unfair billing in one of my transaction of August 2, 2009. My credit card/ account number is XNE 781567. The disputed billing amount has been highlighted in the attached statement.

    I am complaining because I did not purchase that product and the amount has been entered in my bill without any reason. I am dispatching the copy of receipt with this letter and hope that this proof will be enough for you to resolve the dispute.

    Kindly pay attention to this matter and investigate properly. You may contact me at 333-333-33 to inform me about the outcome. Your cooperation in this regard will be highly appreciated.

    Thank you.


    Adam Parker.

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    Template of Credit Card Transaction Dispute Letter:

    [Your Name]
    [Your Address]
    [City and Postal code]


    [Receiver’s Name],
    [Company’s Name],
    [Company’s Address],

    [Dear Mr. / Mrs. (last name of the recipient)],

    I am dispatching this letter to file a complaint against an incorrect transaction of [date of transaction]. My credit card/ account number is [relevant number]. The dubious amount has been highlighted in the attached statement.

    I am reporting this case because [give your reason]. A copy of receipt is attached for your perusal.

    I request you to look into this matter and investigate properly. You can contact me at [your number] to update me about the outcome.

    Thanks for the time you will spare.


    [Your Name]

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