This review list is offered to educate you about the document and to aid you in preparing it. Prompt notice of illegal or inaccurate charges to your credit card or other supplier (this letter can easily be amended for that purpose) will assist in keeping your account in good standing and in resolving the charge in question.
Most credit card companies, and other suppliers will suspend the transaction, or temporarily erase it from your account, until it is handled to their satisfaction. This implies that, with the exception of minimum payments, you can normally subtract this amount from any payments and still meet your obligations to the Credit Card Company or supplier.
Maintain a record of the transaction until it is fully disposed of, either directly or indirectly.
Credit Card
Credit Card, Unauthorized or Incorrect Charge
Date:
Account Number:
Name on Account:Dear Sir or Madam:
In reviewing my recent statement, I feel that I have been charged an incorrect or unauthorized amount for the following transaction(s): ____________________________
___________________________________________________________________.The correct charge should have been: __________($0.00 for unauthorized; $______ for an “Incorrect” charge).
Please correct my account accordingly.
I have enclosed a copy of my statement with the transaction in question highlighted.
Please contact me if you have need additional information. Thank you for your usual good service in handling my account!
Best regards,
______________
Account HolderEnclosure: Copy of Credit Card Statement
Credit Card, Unauthorized or Incorrect Charge
Review ListThis review list is provided to inform you about the document in question and assist you in its preparation. Prompt notification of unauthorized or incorrect charges to your credit card, or other supplier (this letter can be modified easily for that purpose), will help keep your account in good standing as well as promptly take care of the charge in question.
Most credit card companies, and other suppliers, will put the transaction in suspense, in other words, remove it temporarily from your account, until resolved to their satisfaction. This means you can generally deduct this amount from any payments, except for minimums, and meet your obligations to the Credit Card Company or supplier.
Keep a record of the transaction until finally disposed of, one-way or the other.
Frequently Asked Questions
What should I do if I notice an unauthorized charge on my credit card statement?
You should promptly notify your credit card issuer about the unauthorized charge. The article provides a sample letter to help you dispute the charge and request a correction. Prompt notification helps keep your account in good standing and resolves the issue quickly.
How do I write a letter to dispute a credit card charge?
Use the template provided in the article, which includes fields for your account number, name, the transaction in question, and the correct amount. State whether the charge is unauthorized or incorrect and enclose a copy of your statement with the transaction highlighted. Keep a professional tone and request correction of your account.
What information should I include in a credit card dispute letter?
Include your account number, name on the account, the date of the unauthorized or incorrect charge, the transaction details, and the correct amount that should have been charged. Also enclose a copy of your statement with the transaction highlighted. Provide your contact information in case additional details are needed.
What is the difference between an unauthorized and an incorrect charge?
An unauthorized charge is one you did not make or approve, so the correct amount should be $0.00. An incorrect charge is one you authorized but the amount is wrong, so you should state the correct amount. The article provides a template that distinguishes between these two situations.
Why is it important to notify my credit card company promptly about a charge error?
Prompt notification helps keep your account in good standing and ensures the charge is taken care of quickly. It also protects you from potential liability and further complications. The article emphasizes that timely action is key to resolving disputes.
Can I use the same letter template for other suppliers besides credit card companies?
Yes, the article states that the letter can be easily modified for other suppliers. The template is designed to be adaptable for disputing charges with various companies. Simply adjust the recipient and details as needed.
What should I enclose with my credit card dispute letter?
You should enclose a copy of your credit card statement with the transaction in question highlighted. This provides evidence and helps the issuer process your request efficiently. The article specifies this as an enclosure in the sample letter.
How do I address the credit card company in a dispute letter?
Address the letter to 'Dear Sir or Madam' if you do not have a specific contact. The article's template uses this salutation. You can also include the company's name and address if known.
What is the correct charge amount for an unauthorized transaction?
For an unauthorized transaction, the correct charge should be $0.00. This indicates that you did not authorize the charge and it should be removed. The article's template specifies this amount for unauthorized charges.
What is the purpose of the credit card unauthorized or incorrect charge review list?
The review list informs you about the document and assists in its preparation. It emphasizes that prompt notification of unauthorized or incorrect charges helps keep your account in good standing and resolves the issue promptly. The list is provided as a guide for using the letter template.
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