Confident Example Letter Contesting a Credit Card Charge

| October 3, 2012 | 0 Comments

This example letter contesting a credit card charge is perfect if you need to bring an erroneous charge to the attention of your credit card company. Oftentimes an incorrect charge appears on our statement, and it’s important to bring it to the attention of the credit card company as soon as possible. You can also use this letter to dispute a transaction on your card concerning a particular company. Sometimes merchants twice for a product or you may have received a damaged product or failed to receive what you ordered at all. Any of these cases can be disputed by using our example letter contesting a credit card charge.

Making the Best Use of Our Example Letter Contesting a Credit Card Charge

You’ll make the best use of our example letter contesting a credit card charge if you first familiarize yourself with its structure and format. It is a formal business letter, and thus it is important to format it correctly. Our example is written in the block style, a widely accepted format for business correspondence.

The block style is named after the way in which the text is written in sections or “blocks,” each block being separated by a space and justified to the left of the page. This provides a professional appearance for your letter, and makes equally easy to edit. With a bit of cutting and pasting you can quickly replace the contents of our example letter asking for insurance analysis with your own information.

Once you understand its format you can Download Our Example Letter Contesting a Credit Card Charge and edit it on your own computer using Microsoft Word or a similar program.

We begin our example letter contesting a credit card charge by properly formatting the address. Your name and contact information are typed first, followed by the date, the name and contact details of the reader, ending with the greeting or salutation. In this case the normal salutation of Dear Sir/Madam or To Whom It May Concern is substituted with a reference to your account number. It should look like this:


Mr. Simon Chandler
64 E. 43 St.
New York, NY 200201
Tel: 212-579-6873
Email: schandler@email.org

April 11, 2005

Credible Credit Card Co.
42 Main St
New York, NY 200202

RE: Account Number: 444000666555

The first thing we do in the body of our example letter contesting a credit card charge is to inform the company that we are writing to dispute a charge. After making that clear, you’ll want to state the reasons for your dispute, whether it be that you did not place the order, that you didn’t receive the goods or services, that you were overcharged, or that the goods or services you did receive were of poor quality. You might say something like this:

I am writing to dispute a charge to my credit card in the amount of $525, posted on February 19, 2005, from the Sapphire Springs Hotel and Spa.

The charge represents two day’s lodging at this hotel. However, the reservation was canceled on February 15, 2005. According to the hotel’s published policy, if cancellations are made at least 48 hours in advance of 3 p.m. on the check-in date, a full refund will be given.

Once you’ve explained your reasons for the dispute, you’ll need to provide any other information that will help to prove your case. This can include the names of any staff of the company or merchant whose charge you’re contesting, or any supporting documentation. Here’s how we do that in our example letter contesting a credit card charge.

I canceled my reservation initially by email on February 15, 2005, a copy of which I have enclosed. When I did not receive confirmation from Sapphire Springs, I telephoned them on February 17 at 10am and spoke with a staff member named Peter. Peter provided me with a confirmation code (CR22035) and later confirmed my cancellation by email, a copy of which I have also enclosed.

Finally, you request that the charge be deducted from your account, thank them for their attention to the matter, and provide contact details for them to get in contact with you if they need to. Our completed example letter contesting a credit card charge looks like this:

Mr. Simon Chandler
64 E. 43 St.
New York, NY 200201
Tel: 212-579-6873
Email: schandler@email.org

April 11, 2005

Credible Credit Card Co.
42 Main St
New York, NY 200202

RE: Account Number: 444000666555

I am writing to dispute a charge to my credit card in the amount of $525, posted on February 19, 2005, from the Sapphire Springs Hotel and Spa.

The charge represents two day’s lodging at this hotel. However, the reservation was canceled on February 15, 2005. According to the hotel’s published policy, if cancellations are made at least 48 hours in advance of 3 p.m. on the check-in date, a full refund will be given.

I canceled my reservation initially by email on February 15, 2005, a copy of which I have enclosed. When I did not receive confirmation from Sapphire Springs, I telephoned them on February 17 at 10am and spoke with a staff member named Peter. Peter provided me with a confirmation code (CR22035) and later confirmed my cancellation by email, a copy of which I have also enclosed.

Please deduct this charge from my account. I thank you for you prompt attention to this matter, and if you have any further questions you may do so at either the email address or telephone number I have provided.

Sincerely,

Simon Chandler 

Once you are ready to compose your own letter you can Download Our Example Letter Contesting a Credit Card Charge and edit it to contain the details of your personal dispute.

Tips and Useful Sentences You Can Use with our Example Letter Contesting a Credit Card Charge:

  • Follow up your letter with a phone call if you do not hear back from your credit card company within a reasonable time.
  • Be sure to include your credit card number and the date of the statement that it appears on.
  • Make a copy of your letter and send it to the company or merchant whose charge you are disputing

Category: Credit Card Letter Examples

About the Author ()

Melanie Walters is a writer and editor for several businesses both online and offline. Her experience with writing business letters and marketing materials has helped her understand exactly what works in written communication for businesses. In the 10 years she's been writing, Melanie has amassed a large collection of letter examples that she gladly shares with you here on Letter Example Help.org

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