Home > Finance > Letter Refuting Fraudulent Credit Card Charges

Letter Refuting Fraudulent Credit Card Charges

By: Beth Morrisey MLIS - Updated: 23 Aug 2012 | comments*Discuss
Credit Card Charges Fraudulent Refuting

Fraudulent credit card charges can be a real headache, not the least because they mean your account has been compromised and you may now have to fight to have them deleted from your balance. If you notice unauthorized charges on your credit card call your card provider immediately and then reiterate your message in a letter. Discuss your account and the irregularities, address your letter to the correct person and format your letter formally both for your records and to bring about the most efficient resolution.

Discussing Your Credit Card Account

When you must refute fraudulent claims on your credit card account you’ll need to give the letter recipient enough information about your account to be able to look into your concerns. This information should include:
  • Your account number and the name on the account.
  • The name of any authorised users associated with your account.
  • The specific charges you dispute which appear on your account statements.
  • A statement of what your balance should be minus the fraudulent charges.
  • A request for the fraudulent charges to be removed from your account.
  • A request for new, uncompromised cards to be sent to you.
  • A request for an investigation into how your account was compromised.
  • A message of thanks for reviewing and resolving the matter.

Addressing Your Letter Refuting Fraudulent Charges

Your letter will receive the most amount of attention in the least amount of time if you address it to a specific individual. After alerting your credit card company by phone that fraudulent charges have been made, ask that representative if (s)he is the correct contact to receive a letter. If (s)he is not, ask to be transferred to a customer services representative who will be able to give you further information about posting in letters. Try not to send a letter addressed simply to a department or “To Whom It May Concern” as you will have no record of to whom you wrote and therefore no one to follow up with directly as the investigation into the fraudulent charges continues.

Formatting Your Business Letter

Any letter to your credit card company should be formatted formally, after all your relationship to them is one based upon business. A formal format requires the inclusion of both the letter writer and recipient’s name and mailing address, as well as the business title of the recipient. The date of writing should be included as well as formal salutations and closings. You should sign this letter above your printed name and the letter should be printed in an easy to read font on clean, white paper. Such letters are representative of you as an individual so no company or organisation letterhead should be used. Postal delivery is most appropriate for a letter refuting fraudulent credit card charges.

Sample of a Letter Refuting Fraudulent Credit Card Charges

Mr. Charles Customer
[Mailing Address]

9 March, 2011

Mr. Robert Representative
Customer Services Manager
[Credit Card Company]
[Mailing Address]

Dear Mr. Representative,

Further to the telephone call I placed to [Credit Card Company] on 07 March, 2011 I would like to summarise the fraudulent charges made to my [Credit Card], account number 4908745869324105. I am the only user of this card, there are no other authorised users on this account.

Between 02 March and 05 March my card was fraudulently used to make a variety of purchases from online retailers. A charge of £899.99 was made to Bargain Bikes based in San Jose, California, USA, a charge of £476.82 was made to Super Salon Supplies based in New York, New York, USA and a charge of £767.64 was made to Great Gardens Superstore based in London. Associated exchange rate charges were also added to the two transactions which involved retailers outside of the UK.

On 07 March, 2011 I advised your customer services representative Deborah Gold that these charges were not made by me, that I would like them investigated and struck from my account. I also asked that a new card be posted to me to replace the card which has obviously been compromised.

I thank you for taking the time to review this case and resolve the fraudulent charges as quickly as possible. Should you need to speak with me further I can always be contacted via the address above, on [Telephone Number] or at [Email Address]. I am happy to help your investigation in any way I can.


Charles Customer

You might also like...
Share Your Story, Join the Discussion or Seek Advice..
Why not be the first to leave a comment for discussion, ask for advice or share your story...

If you'd like to ask a question one of our experts (workload permitting) or a helpful reader hopefully can help you... We also love comments and interesting stories

(never shown)
(never shown)
(never shown)
(never shown)
Enter word:
Latest Comments
  • Cole
    Re: Letter Notifying of a Name Change
    I want a letter to write to other age grades that my age grade has changed their name
    1 April 2020
  • Aasif
    Re: Writing to Your MP
    This is extremely helpful...I would like to convey my MP to concerned about the students who are stuck down in different places of the country…
    30 March 2020
  • AlineRulez
    Re: Writing to Your MP
    I would write a letter for the MP , Boris Johnson to say sorry for getting my mother pregnant
    26 March 2020
  • Nia
    Re: Writing to Your MP
    I would like a sample letter of complaint to the MP on the criminal activities taking place in my community due to the high level of umemployment.
    18 March 2020
  • Palash
    Re: Writing to Your MP
    I want a sample letter to the M.P. of my area to recommend my elder daughter to a particular govt. school as my family's financial position…
    6 March 2020
  • Rasmicke
    Re: Writing to Your MP
    I want to write a letter seeking for financial aid from the MP's common fund as a university. Can I have a sample??
    28 February 2020
  • Fedupfemale
    Re: Writing to Your MP
    I would like to write to my MP about the mental health services in my area. The waiting times,the lack of care. My issues with them in the…
    22 February 2020
  • Peps
    Re: Writing to Your MP
    I want to write to my MP about how to improve my community
    19 February 2020
  • Reza
    Re: Writing to Your MP
    I want to write a letter to my local mp , requesting for recommendations to get rapid response about my citizenship application which is in…
    3 February 2020
  • huzaifah
    Re: Letter of Complaint to the Council
    I would like to complain to the local council because they have bombarded walthamstow with parking permits. This is not…
    17 January 2020