Sample Billing Dispute Letter
As you handle your debt, you may come across false charges on your credit card. Always check your bills for errors. Creditors sometimes make mistakes, and credit-card theft may have occurred without your knowledge.
If you discover a billing error, you should provide the creditor with written notice of the error. It could reduce your debt amount or take you out of debt completely.
Creditor Requirements in Billing Disputes
Written notice to most creditors forces them to comply with federal requirements in resolving billing disputes.
Some of these requirements place time limits on the creditor, such as:
Other requirements prevent the creditor from taking certain actions. Actions cannot happen until the creditor complies with the requirements of resolving a billing error claim.
The creditor may not:
Send In a Written Notice for Billing Disputes
To trigger federal requirements, the written notice must provide the creditor with the following:
The notice must be sent within 60 days of getting the bill containing the error. You can use this billing dispute letter template: