CREDIT CARD DISPUTE LETTER
Dispute of a charge on my credit card statement
Date: 2 April 2026, at Ludhiana
I am sending this by registered post with acknowledgement due. I am also emailing a copy to cardsdisputes@examplebank.example.com.
To: The Nodal Officer, Credit Cards Division, Example Bank Ltd, Cards Centre, SCO 14, Sector 34-A, Chandigarh 160022
From: Gurpreet Singh Dhillon, House No. 88, Urban Estate Phase 2, Patiala 147002 (email gurpreet.dhillon@example.com, telephone +91 98150 47731)
Subject: Dispute of a double charge of 12,400 rupees on credit card ending 8820
Sir or Madam,
- 1. My card. I hold my credit card ending 8820. I dispute the charges described below, which appear on my statement dated 1 April 2026.
- 2. The disputed entries. 24 October 2026, Sharma Electronics, Ludhiana, 12,400 rupees, charged twice (two entries of the same amount on the same date). The total I dispute is ₹12,400 (Rupees Twelve Thousand Four Hundred only).
- 3. Why I dispute them. The same charge appears more than once on my statement. I bought a television from the merchant on 24 October 2026 for 12,400 rupees and swiped my card once. The slip shows one payment, but the statement shows two debits of the same amount.
- 4. What I have done. I visited the shop on 28 October 2026 and again on 2 November 2026. The owner said it was the bank's problem. I raised a dispute on the helpline on 6 November 2026, reference 3390177, and was told to write.
- 5. What I require. Please: (a) register this as a dispute and give me its reference number; (b) investigate it, including by raising it with the merchant or the card network where that is the right step; (c) hold the disputed amount, and any interest and late fee that would arise only from it, out of my payable balance until you have decided, and not treat the card as in default for that amount meanwhile; (d) if the dispute is upheld, reverse the amount and any interest and fees charged on it; and (e) tell me your decision in writing, with the reasons, and the name of the officer handling this.
- 6. If you do not. I will pay the part of the statement that I do not dispute. If I do not receive a satisfactory written reply in the time your card terms and the Reserve Bank's directions allow, I will take the complaint to the Reserve Bank's Ombudsman and, if needed, to the District Consumer Commission. This letter does not waive any of my rights.
ENCLOSURES
- 1. Statement dated 5 November 2026 with the entries marked. 2. Copy of the merchant's bill and the card slip. 3. Messages with the merchant.
LEGAL BASIS
Punjab and Chandigarh: The Reserve Bank of India's directions on credit card issuers require them to have a way for a card holder to dispute a charge and to deal with it fairly, and the card terms usually set a time within which a dispute must be raised. A card issuer's service to its card holder is a service under the Consumer Protection Act, 2019, so a complaint of deficiency can be taken to the District Commission, and the Reserve Bank's Integrated Ombudsman Scheme in force allows a complaint to the Ombudsman after the issuer rejects the dispute or does not reply. No fee is payable on this letter.