- A statement shows the wrong date, amount, duplicate transaction, or a charge you did not authorize.
- A payment or return credit was not posted.
- Goods or services charged to the account were not accepted or delivered as agreed.
- Call the issuer promptly, but do not rely on a phone call alone when the written billing-error process applies.
- Use the billing-inquiries address—not the payment address.
- Identify the first statement containing the error and calculate the delivery deadline.
- Your name and mailing address
- Account identifier
- Transaction date and amount
- Specific reason the charge is wrong
- Requested correction
- Copy of the statement with the item marked
- Copies of receipts, return records, correspondence, or delivery evidence
Build a working draft
Your entries are never submitted or analyzed. Saving on this device is optional and off by default. Use partial account numbers and avoid entering a Social Security number.
1. Fill the placeholders
14 fieldsLeave anything blank to keep its bracketed placeholder in the draft.
2. Review and edit
The draft remains editable. Remove instructions and unused options before sending.
Placeholder fields remain available. Values are applied to placeholders or previous field values when they can be identified safely; otherwise, you will be asked before the full draft is regenerated.
Not saved on this device.
Check only what belongs with this specific letter. Send copies, not originals.
Keep these dates with your own copy. This tracker is not included in the letter.
View the unfilled template text
[Date] [Your name] [Your mailing address] [City, state ZIP] [Credit-card issuer] Attn: Billing Inquiries [Billing-inquiries address] Re: Notice of billing error — account ending in [last four digits] To whom it may concern: I am writing to dispute a billing error of [$ amount] appearing on my statement dated [statement date]. The transaction is listed as [merchant or description] on [transaction date]. The charge is incorrect because [briefly explain the wrong amount or date, duplicate charge, missing credit, unauthorized charge, or goods/services not delivered as agreed]. Please investigate and correct the error, credit any related finance or other charges, and send me an accurate statement. I have enclosed copies of [describe supporting records]. Sincerely, [Your name] Enclosures: [List copies included]
- 1.Send to the address designated for billing inquiries.
- 2.Use a trackable method early enough to arrive before any applicable deadline.
- 3.Keep originals and send only copies.
- 1.Record the issuer’s receipt date.
- 2.Save the written acknowledgment and decision.
- 3.Check later statements for the correction and any related finance charges.
Check the rules and help where you live
Federal templates are a starting point. State law can add rights, deadlines, licensing rules, or court procedures. This finder routes you to official state consumer resources without trying to summarize those laws.
Choose your location to open its official consumer-protection office.
Directory links reviewed August 13, 2026. Verify addresses and instructions before sending.
