Credit Card Chargeback Dispute Letter
Dispute a credit card charge under the Fair Credit Billing Act (FCBA). Includes 60-day deadline tracking, billing dispute address guidance, and card network reason codes.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
New here? Read the full guide on chargeback rights first.
One-time price:$19Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
Your Situation
Tell us about the disputed credit card charge so we can tailor your letter.
This determines which state consumer protection law applies in addition to the federal Fair Credit Billing Act.
The bank or financial institution that issued your credit card.
The card network determines which reason codes and chargeback windows apply.
The last four digits of the credit card number associated with this charge.
Select the reason that best describes your billing dispute. This determines the applicable card network reason code.