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Home › Tools › Charge dispute letter writer
Free tool

Charge dispute letter writer

If a company won’t fix a charge, you can dispute it with your card issuer or bank. This writes a clear billing-error notice you can send through their dispute process.

Never type your full card number.

Nothing you type here is sent to us. The letter is created in your browser.

October 11, 2026 To: [Card issuer or bank] — Billing disputes Re: Billing error notice — card ending in [last 4 digits] Hello, I am writing to dispute a charge on my account from [merchant name as shown on the statement] for [amount] posted on [date]. Reason: I cancelled before this charge, but I was charged anyway. I contacted the merchant to resolve this but it was not resolved. Please investigate this billing error, remove the charge and any related fees or interest, and send me a written explanation of the result. I can provide copies of receipts, emails or screenshots on request. Thank you, [Your name]

Send it the way your card issuer or bank asks for disputes (online form, secure message or mail), and keep a copy. See the dispute guide for timing.

Common questions

Is there a deadline to dispute a credit card charge?

Yes. For billing errors on credit cards, federal rules generally require the card issuer to receive your written notice within 60 days after the statement with the error was sent. Debit and bank disputes have their own time limits. Act quickly and check your issuer’s instructions.

Should I contact the merchant first?

It often helps. Many issuers ask whether you tried to resolve it with the merchant. Keep records of what you tried, but don’t let that delay your dispute past the deadline.

How do I send the dispute?

Use the method your card issuer or bank asks for — often an online dispute form or secure message — and paste the letter in. Some issuers want disputes by mail to a special address listed on your statement. Keep a copy.

Related guides

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General information, not legal or financial advice. Templates are a starting point; check your situation and your provider’s instructions.