Sample Letter to Creditor, Disputing Charges/Fees on Credit Card Statement

Letter to Creditor, Disputing Charges/Fees on Credit Card Statement

Write this type of letter to a creditor when you want to dispute charges and/or fees that they included on your credit card statement. Include pertinent details, such as your account number, the statement date, which charges you are disputing, and why you are disputing them.

[Your letterhead, if desired; if not, your return address]

[Date of letter-month, day, and year]

[Recipient's first and last names]
[Company name]
[Street or P.O. box address]
[City, State ZIP code]

Dear [recipient's name]:

I recently received my Primary Bank credit card statement, dated 5/15/11, for account number 9293-3332-2214. That statement lists a late payment fee of $25 and an over-limit charge of $30. It also lists an interest fee of $67.44.

I am contacting you to dispute these charges. I made my payment of $50 via your Web site on 5/5/11, so there should not be a late payment fee, as the payment was due on 5/10/11. Also, my account balance is $565.57, which is less than the limit of $600, so the over-limit fee is also incorrect. Finally, the interest fee is too high, in light of the 5% interest rate on my account.

I am requesting that you reverse these charges immediately. Please call me at (215) 555-1212 to resolve this. Thank you for your prompt attention to this matter.

Sincerely,

[Signature]

[Sender's first and last names]

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