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Credit Card Dispute Letter

Credit Card Dispute Letter Template for Pakistan

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Key Requirements PROMPT example:

Credit Card Dispute Letter

"I need a Credit Card Dispute Letter to contest an unauthorized online transaction of PKR 50,000 that appeared on my HBL credit card statement dated January 15, 2025, which I never authorized or made."

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Document background
The Credit Card Dispute Letter is an essential document used in Pakistan's banking system when cardholders need to formally contest charges on their credit card statements. This document is typically required when unauthorized transactions are discovered, goods or services paid for were not received, duplicate charges appear, or when there are other billing errors. The letter must comply with Pakistani banking regulations, particularly the Payment Systems and Electronic Funds Transfer Act, 2007, and State Bank of Pakistan guidelines. It should be submitted within the specified timeframe (usually within 30 days of discovering the issue) and must include specific details about the disputed transaction, supporting documentation, and clear reasoning for the dispute. The document serves as the formal initiation of the dispute resolution process and helps protect the cardholder's rights under Pakistani consumer protection laws.
Suggested Sections

1. Sender Information: Full name, address, contact details, and credit card account number of the cardholder

2. Recipient Information: Bank/credit card issuer's name, dispute department address, and any relevant routing information

3. Transaction Details: Specific details of the disputed transaction including date, amount, merchant name, and transaction reference number

4. Dispute Reason: Clear explanation of why the transaction is being disputed, referencing relevant consumer protection rights

5. Previous Communication: Reference to any previous contact with the bank or merchant regarding this dispute

6. Request for Action: Specific actions being requested from the credit card issuer (e.g., charge reversal, investigation)

7. Declaration: Statement confirming the truth of the information provided

Optional Sections

1. Merchant Communication: Details of any attempts to resolve the issue directly with the merchant, used when prior contact has been made

2. Fraud Declaration: Specific section for cases involving unauthorized transactions or fraud

3. Product/Service Description: Detailed description of goods/services in cases of quality disputes or non-receipt

4. Time Sensitivity: Section highlighting urgency or time-sensitive nature of the dispute, if applicable

5. Additional Cardholders: Information about other authorized users if relevant to the dispute

Suggested Schedules

1. Transaction Receipt: Copy of the original transaction receipt or statement showing the disputed charge

2. Communication Records: Copies of any relevant emails, letters, or documentation of phone calls with the merchant

3. Supporting Evidence: Any additional documentation supporting the dispute (photos, delivery receipts, etc.)

4. Identity Verification: Copies of identification documents if required for fraud cases

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




















Clauses




















Relevant Industries

Banking

Financial Services

Retail

E-commerce

Consumer Services

Payment Processing

Consumer Protection

Legal Services

Relevant Teams

Customer Service

Dispute Resolution

Credit Operations

Compliance

Legal

Risk Management

Fraud Prevention

Consumer Protection

Account Management

Documentation

Relevant Roles

Banking Operations Manager

Dispute Resolution Specialist

Customer Service Representative

Compliance Officer

Credit Card Operations Manager

Financial Services Manager

Consumer Protection Officer

Fraud Investigation Specialist

Legal Counsel

Risk Management Officer

Industries






Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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