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Credit Card Dispute Letter

Credit Card Dispute Letter Template for Belgium

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Key Requirements PROMPT example:

Credit Card Dispute Letter

"I need a Credit Card Dispute Letter to contest three unauthorized transactions made on March 15, 2025, totaling €2,500 on my Belgian credit card, as I was not in the country when these purchases were made in Singapore."

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Document background
The Credit Card Dispute Letter is a critical document used when cardholders need to formally contest unauthorized transactions, billing errors, or unsatisfactory purchases on their credit cards in Belgium. This document must comply with Belgian financial regulations, including the Belgian Code of Economic Law Book VII, and European Union directives such as PSD2. The letter serves as the official initiation of a dispute process, requiring specific details about the contested transaction(s), supporting documentation, and clear articulation of the dispute reason. It must be submitted within the timeframes specified by Belgian law and should include all necessary information for the card issuer to investigate and resolve the claim. The document is particularly important as it establishes a formal record of the dispute and helps protect the cardholder's rights under both Belgian and EU consumer protection frameworks.
Suggested Sections

1. Sender's Details: Full name, address, contact information, and account/card number

2. Recipient Details: Credit card issuer's name, dispute department address, and any reference numbers

3. Date: Current date of letter writing

4. Subject Line: Clear indication that this is a credit card dispute, including card number (last 4 digits)

5. Transaction Details: Specific details of the disputed transaction(s) including date, merchant name, and amount

6. Dispute Reason: Clear explanation of why the transaction is being disputed

7. Previous Communication: Reference to any previous contact with the bank or merchant about this issue

8. Request for Action: Specific statement of what action you're requesting from the credit card issuer

9. Closing: Professional closing with signature and printed name

Optional Sections

1. Merchant Communication: Details of any attempts to resolve the issue directly with the merchant - include when there has been direct contact with the merchant

2. Fraud Declaration: Formal declaration of fraudulent activity - include in cases of unauthorized transactions or identity theft

3. Product/Service Description: Detailed description of products/services not received or not as described - include in cases of merchandise disputes

4. Timeline of Events: Chronological listing of relevant events - include in complex cases with multiple interactions

5. Legal References: Specific references to consumer protection laws or card member agreements - include when strengthening the legal basis of your claim

Suggested Schedules

1. Transaction Documentation: Copies of relevant credit card statements, transaction receipts, or screenshots

2. Communication Records: Copies of emails, chat logs, or letters exchanged with merchant or bank

3. Product Evidence: Photos or documentation of defective products or services not received

4. Merchant Policies: Relevant merchant policies, terms of service, or return policies

5. Identity Documentation: Copy of ID or other verification documents (if required for fraud cases)

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Financial Services

Banking

Retail

E-commerce

Travel and Hospitality

Telecommunications

Digital Services

Consumer Goods

Professional Services

Relevant Teams

Legal

Compliance

Customer Service

Dispute Resolution

Risk Management

Consumer Protection

Credit Operations

Financial Operations

Customer Relations

Documentation

Relevant Roles

Financial Services Manager

Consumer Rights Advisor

Banking Operations Manager

Dispute Resolution Specialist

Customer Service Representative

Compliance Officer

Risk Management Officer

Legal Counsel

Consumer Protection Specialist

Credit Operations Manager

Industries
Directive (EU) 2015/2366 (PSD2): The EU Payment Services Directive 2 sets out the rights and obligations in relation to payment services, including credit card transactions and dispute procedures
Belgian Code of Economic Law Book VII: Contains specific provisions on consumer credit, payment services, and financial services in Belgium, including dispute resolution procedures
EU Regulation 2017/2394: Regulation on consumer protection cooperation, providing framework for cross-border dispute resolution
Belgian Law of 19 April 2014: Law on alternative dispute resolution in consumer matters, establishing procedures for out-of-court dispute resolution
Belgian Royal Decree of 5 February 2016: Specific regulations on payment services and credit institutions, including complaint handling procedures
EU Directive 2011/83/EU: Consumer Rights Directive that provides general framework for consumer protection, including distance contracts and financial services
Belgian Act on Market Practices and Consumer Protection: National implementation of EU consumer protection rules, providing additional local requirements for consumer disputes
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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