Force your credit card company to investigate an unauthorized, undelivered, or misrepresented charge. Attorney-reviewed, fill-in-the-blank, instant download.
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A chargeback dispute letter is a formal written request to your credit card issuer demanding that they investigate a charge you believe is wrong. When you submit a written dispute, you trigger your legal rights under the Fair Credit Billing Act (FCBA) — a federal law that requires your card company to investigate the charge, issue a provisional credit while the investigation is pending, and respond within specified timeframes.
Unlike a phone dispute — which is easy to ignore or mislog — a written chargeback dispute letter creates a paper trail, demonstrates seriousness, and legally obligates your issuer to act. Most credit card companies have internal escalation paths for written disputes that go beyond what a customer service representative can do over the phone.
The FixMyLetter chargeback dispute letter template includes everything a credit card issuer needs to open a formal investigation:
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Replace each [BRACKETED] field with your account details, dates, and charge information.
Mail via certified mail or submit through your card company's secure messaging portal with copies of your evidence.
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A chargeback dispute letter is a formal written request to your credit card issuer demanding they investigate a charge you believe is unauthorized, erroneous, or for goods/services never received. It invokes your rights under the Fair Credit Billing Act.
The Fair Credit Billing Act gives you 60 days from when the statement containing the charge was mailed. Some card issuers extend this window — check your cardholder agreement, but don't wait.
Yes. Written disputes create a legal paper trail, trigger the FCBA's investigation requirements, and are routed to dedicated dispute teams rather than frontline customer service. They're significantly harder to dismiss than phone calls.
No — this is a professional letter template using legally-aware language. For complex fraud situations, consult an attorney. For standard billing disputes, this template covers everything you need.