Credit Card Dispute Letter Template for Philippines

The Credit Card Dispute Letter is a crucial document used when cardholders need to formally contest charges on their credit cards in the Philippines. It is typically employed when unauthorized transactions are discovered, when goods or services were not received as promised, when duplicate charges occur, or when other billing errors are identified. The letter must comply with Philippine banking regulations, particularly BSP Circular No. 1048 and the Access Devices Regulation Act, and should be submitted within the timeframe specified by the credit card issuer (usually 60 days from the statement date). The document serves as the initial formal step in the dispute resolution process and should contain comprehensive information about the disputed transaction, supporting evidence, and a clear request for resolution. This document is especially important as it creates a paper trail and initiates the formal investigation process under Philippine consumer protection laws.

1. Header Information: Your name, address, account number, and date

2. Recipient Details: Credit card issuer's name and address, including specific department for disputes

3. Subject Line: Clear indication that this is a credit card dispute, including the disputed amount

4. Account Information: Credit card number (last 4 digits only), cardholder name, and billing address

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

6. Dispute Reason: Clear explanation of why you're disputing the charge, with reference to relevant consumer protection laws

7. Previous Actions Taken: Description of any attempts to resolve the issue with the merchant

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

9. Closing: Professional closing with contact information and signature