Your Names
Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested
Name of Financial Entity Holding Credit Card
Financial Entity's mailing address for billing disputes [if any, check the fine print]
City, State Zip Code

Re: Account Number:
NOTICE OF BILLING ERROR AND DISPUTED ACCOUNT

To the Management and employees involved with billing errors and account disputes:

This letter is a Notice of Billing Error, asking that you investigate a dispute of the above-noted account, pursuant to the Fair Credit Billing Act , 15 U.S.C. 1666. [Note: to be most effective, this letter must be sent within 60 days of the date of the bill on which the error first appeared.]

My records show that all payments have been [timely] made to you and the account is current. Your last bill imposed a $_____ charge for ____________ [such as, a late fee or a disputed charge for something that I did not purchase or for more than the agreed price]. Please investigate this account and make appropriate corrections or, in the alternative, send me a written explanation or clarification explaining why you contend the item was correct as billed.

Thank you for your anticipated cooperation and for not reporting this disputed item to any credit reporting agency, until the matter has been resolved.

Sincerely,

/sign/

YOUR NAME