💳 Unauthorized Charge Dispute Letters

[Date] [Credit Card Issuer Name] Billing Inquiries Department [Billing Inquiries Address - from back of statement] SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED Re: Fair Credit Billing Act Dispute – Account #[Last 4 Digits of Account] Statement Date: [Date] Disputed Charge: $[Amount] To Whom It May Concern: I am disputing a charge on my credit card account pursuant to the Fair Credit Billing Act, 15 U.S.C. § 1666. ACCOUNT INFORMATION: • Account Number: [Last 4 digits] • Statement Date: [Date of statement showing charge] • Cardholder Name: [Your Name] DISPUTED CHARGE: • Merchant Name: [Merchant] • Transaction Date: [Date] • Amount: $[Amount] • Transaction Description: [Description from statement] REASON FOR DISPUTE: This charge is unauthorized. [Choose applicable reason]: [If fraudulent/stolen card:] I did not make this purchase or authorize anyone else to make it. I have never patronized [Merchant Name] and did not provide my card information to them. I still have physical possession of my card (card not lost or stolen). This is a fraudulent charge. [If subscription canceled:] I canceled my subscription with [Merchant] on [Date] via [method—email, online account, phone]. I have attached confirmation of cancellation dated [Date]. Despite this cancellation, [Merchant] charged my account on [Date], [X days/weeks] after I canceled. This unauthorized charge violates my cancellation. [If goods never received:] [Merchant] charged my card on [Date] for [product description]. The merchant never shipped the product. I have no tracking number and no delivery confirmation. Repeated contacts with [Merchant] (attached emails) have gone unanswered. I am being charged for goods never received. [If amount different than authorized:] I authorized a charge of $[Authorized Amount] for [service]. [Merchant] charged $[Actual Amount]—$[Difference] more than authorized. [Details of why amount is wrong—e.g., "Restaurant added 25% tip without my authorization," "Hotel quoted $X, charged $Y without explanation."] ATTACHED EVIDENCE: • Copy of statement showing disputed charge • [Cancellation confirmation email] • [Correspondence with merchant] • [Proof of non-delivery] • [Other supporting documents] DEMANDED ACTIONS: Pursuant to the Fair Credit Billing Act, I demand that [Card Issuer]: 1. PROVIDE PROVISIONAL CREDIT of $[Amount] to my account within 10 business days (or explain in writing why provisional credit is not provided) 2. INVESTIGATE this dispute within 90 days 3. DO NOT report this amount as delinquent to credit bureaus during investigation 4. PROVIDE WRITTEN EXPLANATION of investigation results If investigation confirms charge was unauthorized, I demand permanent removal of this charge from my account. I have attempted to resolve this matter with the merchant [describe attempts—emails sent, calls made, merchant's response or non-response]. [Merchant] has [refused refund / not responded / claimed charge was authorized despite evidence to contrary]. Please confirm receipt of this dispute letter and provide a timeline for resolution. Sincerely, [Your Signature] [Your Printed Name] [Address] [Phone] [Email] Enclosures: • Statement copy • [Supporting documents]

[Date] [Bank Name] Electronic Fund Transfer Disputes [Address] SENT VIA CERTIFIED MAIL Re: Regulation E Unauthorized Electronic Fund Transfer Dispute Account Number: [Last 4 Digits] Transaction Date: [Date] Dear [Bank]: I am disputing an unauthorized electronic fund transfer from my account pursuant to the Electronic Fund Transfer Act and Regulation E (15 U.S.C. § 1693, 12 CFR § 1005). ACCOUNT INFORMATION: • Account Number: [Last 4 digits] • Account Holder: [Your Name] • Statement Period: [Date Range] UNAUTHORIZED TRANSFER: • Date: [Transaction Date] • Merchant/Payee: [Merchant Name] • Amount: $[Amount] • Type: [Debit card / ACH transfer / Electronic payment] UNAUTHORIZED TRANSFER DETAILS: I did not authorize this electronic fund transfer. [Explain]: [If debit card fraud:] I did not make this purchase and did not provide my debit card or PIN to anyone. My card [remains in my possession / was stolen on [Date] and reported to [Bank] immediately]. This is a fraudulent transaction. [If ACH unauthorized:] I did not authorize [Company Name] to initiate an ACH transfer from my account. I have never provided ACH authorization to this company. This unauthorized withdrawal violates Regulation E. [If subscription not canceled:] I canceled my authorization for recurring payments to [Merchant] on [Date] (cancellation confirmation attached). Despite this cancellation, [Merchant] debited my account on [Date]. Regulation E prohibits merchants from debiting accounts after authorization is revoked. NOTIFICATION TIMELINE: • Transaction date: [Date] • I discovered unauthorized transfer on: [Date] • I am notifying [Bank] within [X days] of discovery—well within the 60-day Regulation E reporting requirement DEMANDED RELIEF: Pursuant to Regulation E, I demand that [Bank]: 1. PROVISIONALLY CREDIT my account $[Amount] within 10 business days (12 CFR § 1005.11(c)) 2. INVESTIGATE this unauthorized transfer within 90 days (or 45 days if debit card, per 12 CFR § 1005.11(c)(3)) 3. PROVIDE WRITTEN EXPLANATION of investigation results (12 CFR § 1005.11(d)) 4. PERMANENTLY CREDIT my account if investigation confirms transfer was unauthorized LIABILITY LIMIT: Because I am reporting this unauthorized transfer within [2 business days / 60 days] of discovery, my liability under Regulation E is limited to [$ $0 / $50] (15 U.S.C. § 1693g). I have attempted to resolve this with [Merchant] [describe attempts]. [Merchant] has [refused refund / not responded / disputed my cancellation]. Please confirm receipt of this dispute and provide provisional credit within 10 business days. Sincerely, [Your Signature] [Your Name] [Address] [Phone] [Email] Enclosures: • Bank statement showing unauthorized transfer • [Cancellation confirmation, if applicable] • [Fraud report, if applicable] • [Supporting documentation]