How to Write an Email Disputing a Charge
When you encounter an incorrect charge on your credit card statement, it is essential to take immediate action and dispute the charge to protect your interests. Writing a clear and concise email to address this issue is an effective approach. Use the following markdown format as a guide to draft an email disputing a charge.
Subject: Disputing a Charge on [Credit Card Statement Date]
Dear [Merchant/Company Name],
I hope this email finds you well. My name is [Your Name], and I am writing to dispute a charge that appeared on my credit card statement for the month of [Statement Month/Year].
I recently reviewed my credit card statement and noticed an unauthorized charge of [Amount] on [Date of Transaction]. Unfortunately, I do not have any recollection of making this purchase or authorizing this transaction. As a result, I believe it to be a mistake or potential fraudulent activity.
To resolve this matter promptly, I kindly request your assistance in investigating this charge further. I have attached a copy of the credit card statement, highlighting the specific transaction in question for your reference. Additionally, I would appreciate any supporting documentation or receipts related to this charge that you can provide.
In this regard, I would like to propose the following steps to rectify the situation:
- Please investigate the charge and verify its legitimacy with your records.
- If the charge is found to be erroneous, please refund the amount in question to my credit card promptly.
- If the charge is deemed legitimate, I kindly request additional details and documentation to help me understand the nature of this transaction.
- If the charge is a result of fraudulent activity, I advise you to take immediate action to prevent any further unauthorized transactions on my account.
I value my relationship with your company and believe that this issue can be resolved amicably. I request that you respond to this email within [number of days] to acknowledge receipt and indicate the course of action that will be taken. If I do not hear from you within the specified timeframe, I may have to escalate this matter to the appropriate authorities and explore other options to protect my rights as a consumer.
I appreciate your prompt attention to this matter and your cooperation in resolving it. Should you require any further information or clarification, please do not hesitate to contact me at [Your Contact Information]. I look forward to a swift resolution to this dispute.
Thank you for your immediate attention and understanding.
Sincerely,
[Your Name]