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Card payment dispute letter

Ask your bank or card issuer to reverse a charge, with the facts set out clearly.

Your full name, as on the card
Your address or email

18 October 2026

Your bank or card issuer
Card disputes

Subject: Dispute of a card payment, card ending Last 4 digits of the card

Dear Sir or Madam,

I am writing to dispute the following payment on my card and to ask you to reverse it.

Card: ending in Last 4 digits of the card
Seller: The seller, as shown on your statement
Date of the charge: Date of the charge
Amount: Amount charged
Reason: Why you dispute it

What happened

Before writing to you, I tried to resolve this with the seller, without success. How you tried to sort it out with the seller

Please investigate this payment and refund Amount charged to my card. If your rules allow it, please credit the amount to my account while you investigate.

I can send copies of receipts, emails and any other evidence you need. Please confirm in writing that you have received this dispute, and tell me its reference number and what happens next.

Yours sincerely,

Your full name, as on the card

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