Letter of dispute on a credit card charge


  1. Mention you noticed a charge on your credit card.
  2. Dispute the charges and provide your reason for doing so.
  3. Request the reader to correct your records.


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

I recently received a copy of my credit card bill for the month of February 2016 and saw late payment charge.

I dispute this charge and would like to inform you that I have never defaulted on a payment. In fact, my payments are always made much before the due date.

Please reverse these charges and reset my record.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -