Ferramenta — contestaçãos
Carta de contestação
para cobranças no reconocidosLa aplicación de tu banco suele bastar para una contestação, pero cuando necesitas un documento formal por escrito, esta carta cumple su cometido. Completa los detalles, copia y envía (por e-mail o e-mail certificado).
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.
Antes de enviarla
- Pregunta primero a todos los autorizados en la conta: las cartãos compartidas causan la mayoría de las falsas alarmas.
- Comprueba si se trata de una retenção temporal y no un cobrança definitivo: la herramienta de triaje te lo aclara en cuatro perguntas.
- Intenta contactar primero con el comerciante para obtener un reembolso: la carta formal es una vía de escalada, no el primer paso.
- Para cobranças ACH de una conta corrente, el plazo de 60 dias de la Regulación E comienza en la data de emisión del extrato.
Esta carta es una plantilla y no constituye asesoramiento legal; el proceso de contestação de tu banco (habitualmente desde su app) es la vía oficial más rápida. Nada aquí es asesoramiento financiero.