Charge Dispute Letter Example: Free FTC Template to Dispute Card Charges

Disputing a charge on your credit or debit card begins with a straightforward letter to your issuer. The FTC offers a sample charge dispute letter that addresses billing errors like undelivered items, overcharges, or unauthorized purchases. This guide covers sending it within the 60-day deadline, provides the exact template to copy and customize, outlines sending options, and explains follow-up steps.

Use the template below:

Sample Charge Dispute Letter
[Your Name]
[Your Address]
[City, State, ZIP Code]

[Date]

[Card Issuer's Name]
[Card Issuer's Address]
[City, State, ZIP Code]

Dear Sir or Madam:

I am writing to dispute a charge of [$__] to my [credit or debit card] account on [date of the charge]. The charge is in error because [explain the problem briefly. For example, “the items weren’t delivered,” “I was overcharged,” “I returned the items,” “I did not buy the items,” etc.]. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

I can be reached at [your phone number] or [your email address].

Thank you.

[Your Name]
[Your card number, last 4 digits only]

This FTC template makes your dispute clear and complete. Send it within 60 calendar days from when the first statement showing the charge was sent to you to protect your rights.

When to Send a Charge Dispute Letter

To meet the 60-day deadline for disputing charges, act quickly. The FTC requires notifying your credit or debit card company within 60 calendar days after the first statement with the disputed charge was sent. Missing this window means you may lose the right to dispute.

Common qualifying scenarios include:

These align with FTC guidance. Review your statements monthly to catch errors early. In 2026, with more online shopping, unauthorized charges from data breaches or forgotten subscriptions can appear suddenly--spotting them on the first statement keeps you within the deadline.

Charge Dispute Letter Template (Copy and Customize)

For the best results, use the FTC's sample letter and fill in your details. Here's the full structure from the FTC and FTC sample letter:

[Your Name]
[Your Address]
[City, State, ZIP Code]

[Date]

[Card Issuer's Name]
[Card Issuer's Address]
[City, State, ZIP Code]

Dear Sir or Madam:

I am writing to dispute a charge of [$__] to my [credit or debit card] account on [date of the charge]. The charge is in error because [explain the problem briefly. For example, “the items weren’t delivered,” “I was overcharged,” “I returned the items,” “I did not buy the items,” etc.]. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

I can be reached at [your phone number] or [your email address].

Thank you.

[Your Name]
[Your card number, last 4 digits only]

Replace placeholders like [$__], [date of the charge], and the error explanation with your specifics. Keep the explanation brief and factual. Print and sign the letter, and include copies of supporting documents like receipts (never originals). This format complies with federal requirements under the Fair Credit Billing Act.

How to Send Your Charge Dispute Letter and Follow Up

Submit your dispute effectively with these steps:

  1. Prepare the letter: Customize the FTC template with your details and attach evidence.
  2. Send within 60 days: Mail it to the address on your statement for billing disputes--check your card agreement or latest statement for the exact address.
  3. Track delivery: Use certified mail with return receipt for proof of sending.
  4. Wait for response: Card companies must acknowledge within 30 days and resolve within two billing cycles (not less than 90 days).
  5. Follow up: If they fix the problem, check your account to make sure your account shows the credit or refund. The FTC advises verifying this step.

If unresolved, file a complaint at consumerfinance.gov/complaint or call ( -CFPB (2372). This escalates to the Consumer Financial Protection Bureau for oversight.

Should You Dispute by Letter, Phone, or App?

A written charge dispute letter provides strong protection as formal proof of your claim, matching FTC recommendations for documented disputes. Phone calls or app submissions may work faster but often lack a solid paper trail, which can lead to denials if records are incomplete.

Use a letter, especially for amounts over $50 or unauthorized charges, to ensure compliance with the 60-day rule and build your case.

FAQ

What is the deadline to dispute a charge with my card company?

You must notify your card company within 60 calendar days after the first statement with the disputed charge was sent to you.

Do I need to use a specific charge dispute letter format?

No strict format is required, but the FTC sample provides a proven structure that includes all key elements.

What should I include in my charge dispute letter?

Include the charge amount, date, explanation of the error (e.g., not delivered, unauthorized), your contact info, and requests for correction, credits, and an accurate statement.

What happens after I send the charge dispute letter?

Your issuer must acknowledge within 30 days and resolve within two billing cycles (at least 90 days). They may provisionally credit your account during investigation.

Can I dispute a charge more than 60 days after the statement?

No, the 60-day window from the first statement is the standard deadline; after that, your rights may be limited.

Where do I file a complaint if my card company doesn't resolve the dispute?

Submit at consumerfinance.gov/complaint or call ( -CFPB (2372).