How To Write a Card Dispute Letter for a Bag Order

Write to the address your card issuer gives for billing errors, within 60 days of the statement that shows the charge, and say clearly which charge you dispute and why. The FTC and the CFPB both describe this process.

What the sources say

• The FTC publishes a sample letter for disputing credit and debit card charges that you can adapt.
• The CFPB’s Regulation Z rules on billing errors say the issuer must receive your written notice no later than 60 days after it sent the first statement that showed the error.
• The issuer must acknowledge the notice within 30 days, and resolve the dispute within two billing cycles, and no more than 90 days.
• Paying the disputed amount is not required while the dispute is investigated, but you still pay the part of the bill that is not in dispute.

What the letter should include

1. Your name, address and account number (never your full card details in a place the issuer does not specify).
2. The date and amount of the charge and the merchant’s name.
3. What went wrong, in one or two sentences.
4. What you have already done to fix it with the seller.
5. What you want, such as a credit for the charge.
6. A list of the copies you attach.

What to do afterwards

Send it by a method that gives you proof of delivery, note the date, and keep a copy.

If the issuer rejects the dispute, ask for the reason in writing and check whether you have more evidence, such as a reply from the seller, that you can send.

Where this answer stops

This is general information about US credit cards. Debit cards and payment apps follow different rules, and your issuer’s address and process may differ. This is not legal advice.