Document background
A Credit Card Dispute Letter is essential when cardholders need to formally contest unauthorized transactions, billing errors, or unsatisfactory purchases in Germany. This document is used to initiate the dispute resolution process under German banking regulations and EU payment service directives. It should be submitted to the card-issuing bank and must include specific transaction details, the reason for dispute, and any supporting documentation. The letter needs to comply with German legal requirements, particularly those outlined in the German Civil Code (BGB) and Payment Services Supervision Act (ZAG). Timing is crucial, as German law typically requires cardholders to notify their bank of unauthorized transactions without undue delay upon discovering them. The document serves as a formal record of the dispute and can be important for both immediate resolution and any potential legal proceedings.
