Credit Card Letters
Credit Card letters that get a response.
The Fair Credit Billing Act gives you a strict, time-bound path for disputing credit card charges — 60 days to write, 30 days for the issuer to acknowledge, 90 days to resolve. These are the letters that invoke it.
Credit Card Billing Error Dispute Letter (FCBA Template + 60-Day Rule)
There's a charge on your credit card statement that's wrong — unauthorized, the wrong amount, a refund that never posted, or a product you never received. The Fair Credit Billing Act gives you a specific, time-bound right to dispute it in writing. This is that letter.
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Credit Card Fee Waiver Request Letter (Late, Overlimit, Annual — Free Template)
You paid late once. The $32 late fee is hurting. Card issuers waive routinely on first request — the trick is asking once, politely, with specifics.
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Bank Account Fee Waiver Request Letter (Overdraft, NSF, Maintenance — Free Template)
Banks have voluntarily eliminated NSF fees and slashed overdraft fees since 2022. If your bank charged you one anyway, this is the polite ask — with a quiet citation to their own published policy.
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Chargeback Escalation Letter After FCBA Denial (Free Template)
Your card issuer denied the FCBA dispute on first pass. That's not the end. § 1026.13(f) requires written explanation + documentary evidence. § 1640 gives you statutory damages plus attorney's fees if the issuer cut corners. This is the post-denial demand.
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Account Closure With Correct Credit Reporting Letter (Free Template + FCRA Backup)
Closing an account is easy. Making sure it gets reported correctly — "closed by consumer," $0 balance, no involuntary-closure code — is what protects future credit. This letter locks that in.
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Need an attorney to look at your specific situation before you send a letter?
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