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Dispute Fraudulent Credit Card Transaction

When to use Dispute Fraudulent Credit Card Transaction

Have you noticed unauthorized activity on your credit card statement? Are you unsure of where certain charges originated from but are confident that you did not make the purchases in question? Know that as a consumer, you have rights. The law protects credit card account holders from being held responsible for unauthorized activity on their accounts. In general, when you notice suspicious charges on your statement, you should take care to call your credit card company immediately. You may be a victim of identity theft and your credit card company will need to take action. Depending on the situation, you may need to freeze or even close your account. As a follow up to your urgent communication, you should also consider sending your lender a formal “dispute fraudulent credit card transaction” letter that you can easily reference down the road.


If you need to dispute unauthorized activity on your credit card account and/or follow up on a call to your credit card company in which you reported suspicious activity on your statement, you can use this letter template to accomplish that aim. It is critically important to act immediately in the wake of discovering fraudulent activity on your account. It is also important to follow up with your lender in the form of a letter you can use as evidence of your efforts to right the situation. If your credit card company tries to hold you responsible for charges you didn’t make or law enforcement officials would like to talk to you about your situation, this letter can serve as an excellent point of reference.

Alternative Names

Fraudulent Credit Card Charge Dispute Form
Fraudulent Credit Card Charge Challenge
Dispute Credit Card Charge Letter
Unauthorized Credit Card Charge Notification