Outil — contestations
Lettre de contestation
pour débits non reconnusL'application de votre banque suffit généralement, mais lorsqu'un écrit officiel est requis, ce modèle remplit parfaitement son rôle. Renseignez les détails, copiez et envoyez.
September 3, 2026 [Bank name] Disputes Department Re: Dispute of incorrect charge To Whom It May Concern: I am writing to dispute the following transaction on my account: Date of charge: [date] Amount: $[amount] Merchant shown: [merchant] This charge does not match any purchase I made or authorized. I have reviewed my account activity and the amount, date, and merchant name are not familiar to me. I request that this charge be investigated and reversed, and that any fees or interest resulting from it be removed from my account. I can provide any documentation you need, including receipts and correspondence with the merchant. Please confirm in writing that you have received this dispute. Under the Fair Credit Billing Act, you are required to acknowledge receipt within 30 days and resolve the dispute within two billing cycles (no more than 90 days). I do not owe the disputed amount or its interest while the investigation is pending. Thank you, [Your full name]
Printing: your bank and card details print in the letter — if you're saving a PDF, that's the point. Both laws require a written notice; email or the issuer's portal counts, but a letter keeps the paper trail.
Avant d'envoyer votre courrier
- Interrogez les cotitulaires de la carte : les cartes partagées expliquent la majorité des fausses alertes.
- Vérifiez s'il s'agit d'une simple empreinte bancaire : notre outil de diagnostic vous répond en 4 questions.
- Contactez d'abord le commerçant : le courrier officiel constitue une escalade.
- Pour les prélèvements sur compte courant, le délai de contestation court à compter de la date du relevé.
Ce courrier est un modèle et ne constitue pas un conseil juridique. La procédure via l'application de votre banque reste la voie la plus rapide.