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Credit Card Dispute Letter

Credit Card Dispute Letter Template for Indonesia

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Key Requirements PROMPT example:

Credit Card Dispute Letter

"I need a Credit Card Dispute Letter to contest an unauthorized online transaction of IDR 5,000,000 that appeared on my Bank Mandiri credit card statement dated January 15, 2025, which I never authorized or made."

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Document background
A Credit Card Dispute Letter is essential when cardholders need to formally contest unauthorized transactions, billing errors, or unsatisfactory purchases made with their credit cards in Indonesia. This document is specifically designed to comply with Indonesian banking regulations, including Bank Indonesia Regulation No. 14/2/PBI/2012 and OJK consumer protection guidelines. The letter should be used within 60 days of the disputed transaction appearing on the statement, as per Indonesian banking regulations. It must contain detailed information about the disputed transaction, supporting evidence, and clear explanation of the dispute reason. The document initiates a formal investigation process by the credit card issuer and provides legal protection for the cardholder under Indonesian consumer protection laws.
Suggested Sections

1. Sender Information: Full name, address, contact details, and credit card account number (last 4 digits only)

2. Date: Current date of writing the letter

3. Recipient Information: Credit card issuer's name, dispute department address

4. Subject Line: Clear indication that this is a credit card dispute letter with reference number if available

5. Transaction Details: Specific information about the disputed transaction 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 merchant or bank regarding this dispute

8. Request for Action: Specific request for investigation and resolution

9. Closing: Professional closing with signature and printed name

Optional Sections

1. Fraud Declaration: Include when dispute involves unauthorized transactions or identity theft

2. Merchant Contact Details: Include when there have been direct attempts to resolve with the merchant

3. Product/Service Description: Include when disputing quality of goods/services received

4. Timeline of Events: Include for complex disputes involving multiple interactions or attempts at resolution

5. Legal Rights Reference: Include when invoking specific consumer protection laws or regulations

Suggested Schedules

1. Transaction Documentation: Copies of relevant credit card statements highlighting disputed transactions

2. Communication Records: Copies of emails, chat logs, or notes from phone calls with merchant or bank

3. Supporting Evidence: Receipts, photos, or other documentation supporting the dispute claim

4. Merchant Response: Any written response received from the merchant regarding the dispute

5. Identity Verification: Copy of ID or other verification documents if required by the bank

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

Banking & Financial Services

Retail

E-commerce

Travel & Hospitality

Consumer Services

Telecommunications

Insurance

Digital Payments

Professional Services

Legal Services

Relevant Teams

Legal

Compliance

Consumer Banking

Customer Service

Dispute Resolution

Risk Management

Fraud Investigation

Banking Operations

Consumer Protection

Documentation

Relevant Roles

Credit Card Dispute Officer

Consumer Banking Manager

Compliance Officer

Customer Service Representative

Financial Services Manager

Risk Management Officer

Fraud Investigation Specialist

Consumer Protection Officer

Banking Operations Manager

Legal Counsel

Consumer Rights Advocate

Transaction Dispute Specialist

Industries
Law No. 8 of 1999 on Consumer Protection: The fundamental consumer protection law in Indonesia that establishes basic consumer rights, including the right to dispute transactions and seek resolution for financial services
Bank Indonesia Regulation No. 14/2/PBI/2012: Regulation on Credit Card Operations that provides guidelines for credit card issuance, usage, and dispute resolution procedures in Indonesia
OJK Regulation No. 1/POJK.07/2013: Financial Services Authority regulation on Consumer Protection in the Financial Services Sector, including specific provisions for credit card dispute handling
Law No. 11 of 2008 on Electronic Information and Transactions: Governs electronic transactions and digital payments, relevant for credit card transactions and online purchases disputes
Bank Indonesia Regulation No. 16/1/PBI/2014: Regulation on Consumer Protection for Payment System Services, including provisions for credit card payment disputes and consumer rights
OJK Circular Letter No. 2/SEOJK.07/2014: Implementation guidelines for handling consumer complaints in the financial services sector, including specific procedures for credit card 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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