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Disputing Credit Card Bill Errors


Sample Dispute Letter for Disputing Credit Card Bill Errors

 

Your Name

Your Mailing Address

City, State, ZIP Code

Your Contact Number

 

Date

 

Name of Credit Card Company

Mailing Address

City, State, ZIP Code

 

RE: Disputing Errors on the Credit Card Billing Statement dated March 24, 2010

 

Dear Sir / Madam:

 

I am writing you this letter to dispute several errors I have observed on the latest billing statement you have supplied to me. The credit card bill dated March 24, 2010 contains inaccuracies that I would like your company to correct immediately.

 

Below I have listed all the misleading entries I have observed on my billing statement:

 

Item 1: Transaction# 56789-0908 carries a different purchase price from what is actually reflected on the receipt.

 

The billing statement shows a credit card charge of $750.00. However I checked the receipt for this purchase and I found out that I only charged $75.00 on my credit card. I have enclosed to this letter a copy of the purchase receipt in question, for your reference. After investigating this and if you find my claim valid, please correct the amount that I should pay on this card transaction.

 

Item 2: Transaction# 56789-0910 was entered on a date that does not correspond to the purchase date.

 

The billing statement showed that this transaction was entered on my account on March 7, 2010. But, I incurred this debt on March 9, 2010. I was dumbfounded to see the inconsistency with the charge date. So, may I please ask you to check this record thoroughly? After doing so, please make the necessary corrections on my billing statement right away.

 

Item 3: Transaction# 56789-0905 is still marked open on the billing statement.

 

I have paid off this transaction the day after I charged it on my credit card. Your company released a payment receipt that proves that indeed I made a payment on this debt. I have attached a copy of this receipt to this letter. After verifying this transaction, I expect that you will close this credit transaction as soon as possible and that you will no longer reflect this on my updated billing statement.

 

Please use the following information in investigating my records:

                Name: <Actual Name as it appears on the credit card>

                Account Number: <Your Credit Card Account Number>

                Date of the Billing Statement: <Date when you received your billing statement>

 

I have also enclosed to this letter a scanned copy of my credit card, for your reference.

 

I believe that you have 30 days to respond to this letter and 90 days to resolve my disputed items or inform me why the billing statement you have provided is correct. Until then, I am willing to settle all my unpaid charges except those I have listed above. After your investigation, please provide me a detailed report of your findings as well as an updated billing statement. I will be glad to pay off all the finance charges and penalties that will accumulate while I am questioning the bill from your company.

 

Thank you very much and I look forward to the quick resolution of the incorrect items on my billing statement.

 

Sincerely,

 

Signature

Printed Full Name