People are moving towards a more convenient world. Carrying cash is a hassle and involves a lot of risks, and so, people choose to use the electronic cards for payments. Credit cards are widely used all over the world because of their ease of transaction, the facilities provided by the bank, the minimum risk involved (since a card can only work with a PIN and even if not, the lost card can always be blocked by the bank hence rendering it useless for whoever finds it)and their benefits. Using the card is very simple as all you need to do is, to swipe.
As much convenience and ease it provides, it also makes way for frauds, faulty transactions and sometimes even misuse. A customer thus has to be very careful. The ease also brings risk in other forms. Sometimes the card might fall into the hands of a miscreant, and he/she might take advantage of it before the news reaches the owner of the card. In such cases, it is not always easy for the owner to prove how much of the cost was incurred by the other person. Thus these letters are written when a customer has an issue with the transaction that takes place through his/her credit card. It is feasible and advisable to report the problem as and when detected. It is the duty of the bank as well as the customer to make sure the issue gets resolved.
Credit Card Transaction Dispute Letter Writing Tips
- Mention the entire issue in detail. Write that your credit records have always been very good and clear-cut.
- Write about which relevant and important documents you are attaching along with the letter.
- Use simple language while you write this letter.
- Take care not to be rude and give the receiver benefit of the doubt.
Credit Card Transaction Dispute Letter Template
Use our free Credit Card Transaction Dispute Letter to help you get started.
From
_____________
_______________
Date:____(date of writing the letter)
To
____________
_________
Subject – _________(mention the purpose)
Dear ________(sir/madam)
This letter is about the bank statement which your bank has furnished to me on ______(mention the date). The statement shows due payment which is not true. There are no payments due according to me as I have made the payment promptly. It seems that it is some technical mistake from your side. For your ready reference, I am sending along with this letter, _________(mention the documents that you have attached with )as well. Kindly go through all the enclosures and make the necessary alterations. Please also send me a fresh and correct bank statement. Waiting for a positive and quick reply from your side and we are sure that you will not repeat such mistakes in the future.
Thanking You
Name
Signature
Sample Letter
From,
Jessie Katsopolis,
Bay Street 14,
San Francisco, USA
Date: February 12, 2001
To,
The Manager,
Commerce Bank,
San Francisco, USA
Subject – Credit card transaction dispute letter
Dear Sir
I am writing you this letter with reference to the bank statement that your bank has given me on 10th February 2001. According to the statement, there is a due payment of credit card purchases. In this matter, I want to let you know that I have made all the payments before the due date and I have been always regular regarding payments. Hence, it is an error made by your system.
I have attached all the cheque numbers of the payments done, and the bank statement for your perusal. You are requested to check all the documents and references and make the correction in the statement. Kindly also issue me a new bank statement. I hope this will not be repeated in the near future. Waiting for a favorable reply from your end as soon as possible.
Thanking You
Yours Sincerely,
Jessie Katsopolis
Email Format
The following is the Email format that should be followed while writing a Credit Card Transaction Dispute Letter.
From: name@email.com
To:name@email.com
Subject: Issues in Credit Card Transaction
Dear Ms_____(name of the receiver),
I am writing you this letter with reference to the bank statement that your bank has given me on _______(mention the date). According to the statement, there is _________(mention the issue with the statement). In this matter, I want to let you know that I have made all the payments before the due date and I have been always regular regarding payments. Hence, it is an error made by your system.
I have attached _________(mention the documents you have attached) and the bank statement for your perusal. You are requested to check all the documents and references and make the corrections in the statement. Kindly also issue me a new bank statement. I hope this will not be repeated in the near future. Waiting for a favourable reply from your end as soon as possible.
Thanking You
Yours Sincerely,
Name of the sender
Leave a Reply
You must be logged in to post a comment.