The fair credit billing act requires that you dispute any charges within 60 days. You may need to dispute charges because someone stole your card, got a hold of your card number, you lost your card or maybe the merchant put the wrong dollar amount into their machine. Regardless of how it happened you want to ensure that you don't pay for something you didn't purchase or if it was you of course
. you do not want to over pay. In a credit card dispute letter you need to include the credit card company, the charge you are disputing, why you are disputing it, along with the account number, transaction number and a description of the transaction so the credit card company can begin their investigation. Make sure you also include your contact information. A sample credit card dispute letter can be found here: http://www.fair-debt-collection.com/Creditors/credit-card-dispute-letter.html
