Here are some tips to consider when you write your credit dispute letter to VISA:
- Do not delay; you should generally act within 120 days of purchase for charge-backs
- You should dispute goods that weren't delivered or that simply didn't work
- State the correct department and account numbers that identify your transaction on your credit dispute. If you can't find your bill, then you can get a free credit report here to get the detail for your dispute letter.
- Use certified mail to mail your dispute letter
- Only send copies of your documents with your dispute letter. Your credit dispute letter however should have your original signature on it.
Here is a sample credit dispute letter template you can modify to make your own:
[Your Account Number]
[Name of Company You Are Disputing Against]
To Whom It May Concern,
[Transaction details]I'm looking to dispute a charge with a merchant that is showing up on the [billing month] bill of my VISA credit card. The transaction showing on [date of transaction] with [name of merchant] for [amount charged] on [items bought] was not supposed to happen considering how my process on their website went down.
[Explanation] I went forward with some items in my shopping cart but did not complete the checkout process to my knowledge and the website was misleading in the way that you could place orders. I've contacted the merchant, but there's still a problem with this amount showing up on my credit card bill . I've enclosed documents showing that the website was not set up in a way that you could review your purchase before finalizing checkout.
[Call to action]I'm asking for the case to be reinvestigated and that the amount be removed from my credit card bill as never gave my agreement to this website to charge my credit card.