July 29, 2026 [recipient name] [recipient address] Re: Billing Error / Chargeback Under 15 U.S.C. § 1666 (Fair Credit Billing Act) Dear Dispute Resolution: I am formally disputing the following charge on my account as a billing error under the Fair Credit Billing Act: Merchant: [merchant name] Date: [charge date] Amount: $[charge amount] Facts: [facts] Requested resolution: [desired outcome] Pursuant to 15 U.S.C. § 1666, please acknowledge this dispute within thirty (30) days and resolve it within ninety (90) days. During the investigation, please do not assess interest or fees on the disputed amount. Sincerely, [user full name] [user address]
Consumer
Credit Card Chargeback
Dispute a charge with your card issuer under Reg Z.
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- Cites Fair Credit Billing Act § 1666 timelines
- Freezes interest on the disputed amount
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Consumer
Credit Card Chargeback
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✓ Cites Fair Credit Billing Act § 1666 timelines
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Frequently asked
- Should I send this by certified mail?
- For chargebacks, refund demands, and warranty disputes, certified mail with return receipt creates a paper trail. We recommend it for anything over $100.
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- No. You can fill out the form and generate a draft for free. You only pay when you want to unlock and download the final letter.
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- One-time unlock is a flat $4.99 per letter — any dispute type. Subscription plans are also available if you expect to send several letters.
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- A well-written, specific letter — citing the right rules and a clear desired outcome — dramatically increases your odds. We can't guarantee any particular result, but a real letter beats silence every time.