The objective of writing a dispute letter is to settle the dispute between two official agencies or persons. These types of letters are written when a credit card agency sends a faulty report to its client, and to settle the dispute, the customer writes a letter to the agency to settle this issue. This letter is considered as an official document and can be produced if the client goes for a legal action.
The letter should mention every item of the credit report that you have a dispute for, explain the facts and request them to rectify it at the soonest. Enclosing a copy of the report circling the items that need corrections is a wise option to do.
Keep in mind that you send the credit dispute letter from the email id registered. This is important because only then they will be able to take the necessary action. Even if this is a dispute letter, it is important that you use kind words. The sample letter and template mentioned here will help you write an effective credit dispute letter.
Credit Card Transaction Dispute Letter Writing Tips
- First and foremost it is vital to be kind and polite while writing a dispute letter as it is a matter of prestige for the two parties.
- You must provide facts and figures in the letter supporting your point.
- The tone of the letter should be formal.
- Dispute Letter should be brief and concise.
- Once you are through writing the letter, please recheck the same for amendments, if needed.
Credit Card Transaction Dispute Letter Template
Use our free Dispute Letter – Credit Card Transaction Dispute Letter to help you get started.
From,
_____________
Date:_______________ (Date on which letter is written)
To,
_____________
Subject:_____________________
Dear Mr. _______________(Name of the person),
I am writing this letter with reference to my credit card statement which I received yesterday. My credit card no. is _____________ (number) which is valid till ___________(Date). I am surprised to see that the statement shows outstanding payments for __________ (amount).
I would like to mention that I have always settled my bills on time. I am also enclosing my receipts for the same with the letter which are the proofs that I have made the payments before the due date.
I would appreciate if you could look into the matter and rectify this problem at the earliest. If you want to anything related to my account, please let me know. You can email me at nobody@gmail.com.
Yours sincerely,
_________________
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
Credit Card Transaction Dispute Letter Sample
Given below is the sample letter.
From,
Nelson Pereira
3214 Breeze blvd
Florida
DD/MM/YY
To,
Mr. Peter Fernandez,
Manager,
ASBC Credit Card,
Florida
Subject: Dispute letter
Dear Mr. Fernandez,
This is concerning my credit card report which I received last week. My credit card number is xxx. Date of issue of the card is DD/MM/YYYY. I have always made my payments on time, but this time, I am surprised to see the report mentioning that I have to make payments that are already made.
I am attaching a copy of the statement with this letter, and I have also circled those transactions which have already been settled.
I would like to mention once again that I have already settled my dues and I am also attaching the receipts for the same.
I would appreciate if you could look into the matter and rectify the faults at the earliest.
Yours sincerely,
Nelson Pereira.
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
Credit Card Transaction Dispute Letter Email Format
Given below is the email format of the letter.
Dear Mr. _______________(Name of the person),
I am writing this letter with reference to my credit card statement which I received yesterday. My credit card no. is _____________ (number) which is valid till ___________(Date). I am surprised to see that the statement shows outstanding payments for __________ (amount).
I would like to mention that I have always settled my bills on time. I am also enclosing my receipts for the same with the letter which will act as the proofs.
I would appreciate if you could look into the matter and rectify this problem at the earliest. Also, if you want to know anything more related to the account, kindly email me.
Yours sincerely,
_________________
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
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