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.
Sincerely,
(Your Signature)
(Your Printed Name) |
