[DATE]

Re: Notice of Billing Dispute — Account ending in [LAST 4 DIGITS]

Dear Sir or Madam:

I am writing to formally dispute a billing error on the above-referenced account pursuant to the Fair Credit Billing Act (FCBA), 15 U.S.C. § 1666 et seq.

Disputed charge:

• Merchant: [MERCHANT NAME]
• Date of charge: [DATE CHARGE POSTED]
• Amount: $[AMOUNT]
• Appeared on my: [MONTH/YEAR] statement

Reason for dispute (check all that apply):

• ☐ This charge was not made by me or any authorized user on my account
• ☐ The merchandise was never delivered / service was never rendered
• ☐ The merchandise or service was materially not as described or advertised
• ☐ I was charged an incorrect amount
• ☐ I returned the merchandise and the credit was not applied
• ☐ Other: [DESCRIBE THE BILLING ERROR IN DETAIL]

Pursuant to 15 U.S.C. § 1666(a), I request that you investigate this billing error and correct my account accordingly. I understand that:

• I am not required to pay the disputed amount while the investigation is pending;
• You may not report this amount as delinquent to any credit reporting agency during the investigation period; and
• You must acknowledge this notice within 30 days and resolve the dispute within two billing cycles (not to exceed 90 days).

I have enclosed copies of the following documentation supporting my dispute:

• [e.g., Order confirmation email showing what was advertised]
• [e.g., Photos of merchandise received showing the discrepancy]
• [e.g., Correspondence with the merchant showing their refusal to resolve]
• [e.g., Credit card statement showing the disputed charge]

Please confirm receipt of this dispute and advise me of the outcome in writing. If you need additional information, I can be reached at the phone number or email address listed above.

Sincerely,

Enclosures: [List each document enclosed]