Credit Card Company Complaint Letter

Sample letter to send to credit card companies to complain about billing errors.
Send your letter by CERTIFIED MAIL to the address listed on the statement for "billing inquiries."
The address for billing inquiries is usually different from the address you send payments to.
Send this letter so that the credit card company receives it within 60 days of the mailing date of the bill that first
contained the error. Enclose copies (but not originals) of documents that support your complaint.
Remember that if the credit card company doesn’t follow the time deadlines listed in the letter, you do not owe the disputed charge or its finance charges.

Date

Credit Card Company Name
Attention: Billing Inquiries
Credit Card Company Address
City, State, Zip
By Certified Mail

            Re:       Account in the Name of [Your Name], Account Number ________________

Dear Sir or Madam:

            Pursuant to the federal Fair Credit Billing Act, I am writing to dispute a billing error in the amount of $_______ on my account. My statement shows this charge as being with _________________ [Merchant name] on ________[date]. This charge is in error because [describe the problem]. I am requesting that the error be corrected, that any finance charges or late fees related to the disputed amount be refunded to me, and that I receive an accurate statement.

            Enclosed are copies of ________________________________ that support my complaint. Please investigate this matter and correct the error as soon as possible.

            I am aware of my rights under the Fair Credit Billing Act. I am aware that you are required to acknowledge this complaint in writing within 30 days of receiving it, and that you are required to resolve the dispute within 2 billing cycles (but no later than 90 days) from receiving this letter. I will insist on receiving all of the protections and rights the Fair Credit Billing Act gives me. Thank you for your prompt attention to this matter.

Sincerely,

[sign here]

Your Name
Your Address
Your City, State, Zip

Enclosures: [list what you are enclosing]