ツール — 異議申し立て
異議申立書
不明な請求向け通常は銀行アプリで十分ですが、書面での正式な証拠が必要な場合はこの申立書が役立ちます。詳細を入力してコピーし、送付（メールまたは郵送）してください。
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.
送付前の確認事項
- 家族や追加カード利用者に確認してください。共有カードが誤認の最大の原因です。
- 一時的な保留枠（オーソリ）ではないか確認してください： 判定ツール で4問で判別できます。
- まず加盟店へ連絡してください。銀行への申立書提出はエスカレーション手段です。
- 口座振替（ACH）の場合、60日間の法定申立期間は明細書の発行日から始まります。
この書面はテンプレートであり、法律上の助言ではありません。金融機関の公式ポータルが最も迅速な手続きとなります。