A Credit Card Dispute Letter is essential when cardholders need to formally contest charges on their credit card in Australia. This document is used when unauthorized transactions are discovered, goods or services paid for were not received or were unsatisfactory, or when billing errors occur. The letter must be drafted in accordance with Australian financial regulations, including the ePayments Code and the Banking Code of Practice. It should contain specific transaction details, the nature of the dispute, and any supporting evidence. The timing of submission is crucial, as Australian consumer protection laws typically require disputes to be raised within specific timeframes. This document initiates the formal dispute resolution process and helps protect the cardholder's rights under Australian consumer protection legislation.
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1. Sender Details: Full name, address, and contact information of the cardholder
2. Date: Current date of writing the letter
3. Recipient Details: Name and address of the credit card issuer's dispute department
4. Account Information: Credit card number (last 4 digits only), cardholder name, and account number
5. Reference Line: Clear subject line indicating this is a dispute letter
6. Disputed Transaction Details: Specific details about the disputed charge including date, amount, and merchant name
7. Dispute Reason: Clear explanation of why the charge is being disputed
8. Previous Contact Reference: Reference to any previous communication about this dispute
9. Request for Action: Specific request for the credit card issuer to investigate and resolve the dispute
10. Supporting Documentation Reference: List of enclosed documents supporting the dispute
11. Closing: Professional closing with signature and printed name
1. Fraud Declaration: Include when dispute involves unauthorized or fraudulent transactions
2. Goods/Services Description: Include when dispute relates to quality or non-receipt of goods/services
3. Merchant Contact History: Include when attempts have been made to resolve with the merchant directly
4. Return/Refund Information: Include when goods have been returned or refund was promised but not received
5. Timeline of Events: Include for complex disputes involving multiple interactions or events
1. Transaction Receipt: Copy of the original transaction receipt or statement showing the disputed charge
2. Communication Records: Copies of any communication with the merchant or relevant parties
3. Return Documentation: Shipping receipts or return authorization if goods were returned
4. Product Documentation: Photos or documentation of defective goods if quality is disputed
5. Police Report: Copy of police report in cases of fraud or theft
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