SAMPLE UNAUTHORIZED CREDIT OR DEBIT CARD CHARGE DISPUTE LETTER

Not legal advice.

This is purely illustrative and meant to give consumers an example of how to draft their own dispute letter.

Here's a sample dispute letter that consumers can use to challenge fraudulent or incorrect credit or debit card transactions, including unauthorized purchases or disputed ACH transfers through services like Zelle or Venmo.

Remember to send this letter via certified mail is recommended to ensure you have proof of mailing.

[Date]

[Your Name]
[Your Address]
[City, State, Zip Code]

[Name of Credit or Debit Card Company]
Attn: Billing Inquiries
[Address]
[City, State, Zip Code]

Re: Notice of Disputed Charge to Account No. [Your account number]

Dear [Contact Person or Billing Inquiries Division]:

I am writing to dispute a charge of [$______] to my [credit or debit card] account on [date of the charge]. This charge is incorrect because [briefly explain the issue, such as unauthorized purchase, overcharge, items not delivered, returned items, etc.].

[Include any additional details that might be helpful. For instance, "I ordered the items on [date]. The seller promised delivery by [date], but I never received the order."]

I am requesting that the error be corrected, any finance or related charges be credited to my account, and an accurate statement be provided.

Enclosed are copies of [describe any included documents, such as sales slips, payment records, or shipment and delivery documentation] that support my claim. Please correct the error on my account promptly.

Sincerely,

[Your Name]

Enclosures: [List enclosed documents. Send copies, not originals.]