When to use Letter Refusing to Pay for a Charge on your Credit Card
If you have noticed suspicious activity on your credit card, it is important to go through your statement point by point. If any charges were unauthorized, you have the right to refuse to pay for them. As a consumer, you are not responsible for truly unauthorized activity on your financial accounts. Once you can pinpoint which charges need to be refused, you should consider calling your credit card company right away to notify your lender of the situation. You can then use this form to follow up with your credit card company and can simultaneously create a record of your efforts to correct the situation at hand.
If you need to reject an unauthorized charge or need to refuse to pay for a credit card charge for any other reason, you can use this form to do so. It is customizable, so even if your situation is unusual and needs significant explanation, you can still use it to clearly, professionally and effectively communicate your aims. It is important to keep a record of this correspondence for your records, as you may need to reference it in the future if your credit card company does not comply with your request.
Please also note that if you have already communicated a refusal to pay for a credit card charge over the phone or online that you can use this form to follow up with your lender and create a paper trail. Especially if you are a victim of identity theft, it is important to keep records of your efforts to deal with your situation. Law enforcement officials, lenders and courts may need to access these records at some point, depending on the severity of your identity theft circumstances.