Tell Us About the Charge
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How to Dispute a Bank Charge
If you see an unauthorized, duplicate, or incorrect charge on your bank statement, you have the legal right to dispute it. Most banks require a formal written dispute to process a chargeback. This tool generates a professional dispute letter you can send directly to your bank or card issuer.
What to Include in a Bank Dispute Letter
A successful dispute letter should include your full name, account number, the charge descriptor exactly as it appears on your statement, the amount, the date, and a clear explanation of why the charge is incorrect or unauthorized. Our generator handles all of this automatically.
This tool is for informational purposes only and does not constitute legal advice. Always review your letter before sending.
How to Use Your Dispute Letter
Fill in the missing details
Replace [DATE] with today's date and [ACCOUNT NUMBER] with your bank account number.
Contact your bank
Send via secure message in your banking app, email their dispute team, or print and mail it.
Follow up
Banks must acknowledge disputes within 30 days. Keep your reference number and follow up if needed.
Pro Tip
Include all details and any supporting documents to speed up the review process.
Need to identify the charge first?
Not sure what the charge is? Decode it instantly before disputing.
Decode a Charge →