Does the dispute letter work for debit cards and ACH too?

Yes. Pick the card type and the letter cites the right law — the Fair Credit Billing Act for credit cards (acknowledge in 30 days, resolve within 90) or Regulation E for debit/checking (investigate within 10 business days, provisional credit after that).

Can I save the dispute letter as a PDF?

Yes — the print / save as PDF button uses your browser’s print dialog. A written notice is what both the FCBA and Reg E require, so a PDF you email, a printed letter, or a portal submission all count.

Is emailing the dispute letter enough?

Generally yes if the issuer accepts email or portal submissions as written notice — most do. Certified mail is the strongest paper trail for credit-card disputes, but the FCBA’s 60-day window simply requires a written billing-error notice.

Tool — disputes

Dispute letter

for unrecognized charges

Your bank's app is usually enough for a dispute — but when you need paper, this letter does the job. Fill in the details, copy, and send (email or certified mail both work).

September 15, 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 are saving a PDF, that is the point. Both laws require a written notice; email or the issuer portal counts, but a letter keeps the paper trail.

JavaScript off

The generator needs JavaScript to assemble your letter. Until then: write to your bank's disputes department with your name, account, the charge date and amount, the merchant as shown, and one sentence on why it's wrong. Reference Regulation E (ACH) or the Fair Credit Billing Act (cards) — they must acknowledge within 30 days.

Before you send it

Ask everyone on the account first — shared cards cause most false alarms.
Check whether it's a hold, not a charge — the triage tool tells you in four questions.
Try the merchant first for refunds — a letter is the escalation, not the first step.
For ACH pulls from a checking account, Regulation E's 60-day window starts at the statement date.

This letter is a template, not legal advice — your bank's dispute process (usually the app) is the fastest official path. Nothing here is financial advice.

Before you send it

Dispute Regulations & Bank Playbooks