Garcia & Gonzales, P.C. Aug. 16, 2015

Dealing with credit card companies can be stressful, especially if you need to get a charge you didn’t acquire from your bill and records with the company. While you may be able to dispute these charges over the phone, some companies may also require you to send a written, more formal letter to explain the issue and why you are not responsible for the credit card debt.

Below is a sample letter you can use when you need to dispute credit card charges.

Sample Letter

Add information specific to your situation in the bracketed areas below:


[Your Name & Address]

[Name & Address of Creditor]

[Be sure to specifically note here that this is for the fraud and/or billing department of the company; you may want to get a specific official’s name to add here]

[Re: Your Account Number]

Dear Sir or Madam:

I am writing to dispute a fraudulent charge on my account in the amount of $______. I did not make or authorize this charge and may have been the victim of identity theft. I am requesting that:

  • The charge be removed.

  • Any finance and/or other charges related to the fraudulent charge be credited to my account.

  • I receive an accurate statement ASAP. 

These requests are being made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R. § 226.13. See also 12 C.F.R. § 226.12(b).

I have enclosed copies of [list the documents you have as evidence of the fraud] as evidence that these charges are fraudulent. Please investigate this matter and correct the billing error as soon as possible.


[Your name & signature]

Credit Card Charge Disputes: More Important Info

  • Include copies of your evidence with the letter when sending it.

  • Once this letter has been sent, the company will typically open up its own investigation into your allegations. Generally, it will also send you a letter regarding its findings once the investigation has been concluded.

  • Even if you are able to successfully dispute a charge with a credit card company, you may also need to follow up with one or all of the credit reporting bureaus to get your records cleared up with them.

  • A fraudulent credit card charge can indicate that your identity has been stolen. So, even after sending a letter to credit card companies, be sure to do some more work to look into whether you may have been the victim of identity theft.

Contact a Denver Bankruptcy Lawyer at Garcia & Gonzales, P.C.

If you are facing a massive amount of valid credit card debt, however,  and are in need of some debt relief, you can trust the experienced Denver bankruptcy lawyer at Garcia & Gonzales, P.C. to provide you with experienced help, honest answers and the highest quality legal services.

To learn more about your best debt-relief options, as well as how we can help you, contact us today by calling or by emailing us using the contact form.

When you contact us, you will communicate directly with one of our attorneys, not a paralegal or legal assistant. We welcome Spanish-speaking individuals to contact us also – hablamos Español.