Document background
The Credit Card Dispute Letter is a crucial document used when cardholders need to formally contest charges on their credit card statements in India. It is typically required when unauthorized transactions are discovered, when goods or services paid for were not received or were defective, or when billing errors occur. The letter must be submitted within the timeframe specified by RBI guidelines (typically within 60 days of the transaction date) and should include specific transaction details, the basis for dispute, and any supporting documentation. Under Indian jurisdiction, this document initiates the formal dispute resolution process required by the Consumer Protection Act 2019 and RBI regulations, triggering the bank's obligation to investigate and respond within defined timelines. The letter serves as a legal record of the cardholder's complaint and can be crucial evidence if the dispute escalates to consumer courts or banking ombudsman.
