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The Complaint Letter To Bank For Credit Card Charges is a formal document used when cardholders need to dispute charges on their credit card within the Saudi Arabian banking system. This document becomes necessary when unauthorized transactions appear, incorrect charges are applied, or when there are billing errors that need to be contested. It must comply with the Saudi Central Bank (SAMA) regulations and the Saudi Banking Control Law, which provide specific guidelines for consumer protection and dispute resolution in banking services. The letter should be used within 30 days of discovering the disputed charges, as per SAMA guidelines, and must include specific transaction details, supporting documentation, and clear requests for resolution. It serves as the first formal step in the dispute resolution process before potential escalation to SAMA regulatory authorities.

1. Personal and Account Information: Your name, address, account number, credit card number (partially masked), and contact information

2. Date and Bank Details: Current date and complete bank branch details including address

3. Subject Line: Clear indication that this is a complaint regarding credit card charges

4. Disputed Charges: Detailed list of the specific charges being disputed, including dates, amounts, and merchant information

5. Explanation of Dispute: Clear description of why these charges are being contested (unauthorized, duplicate, cancelled service, etc.)

6. Previous Communication: Reference to any previous contact with the bank regarding this issue

7. Requested Action: Specific actions you want the bank to take (e.g., reverse charges, investigate transaction)

8. Legal Rights Reference: Reference to relevant SAMA regulations and consumer protection rights

9. Response Timeline: Request for response within reasonable timeframe as per SAMA guidelines

10. Closing: Professional closing with your signature and contact information