DISPUTING LATE FEES

Personalize the form letter below by entering your specifics in the CAPITALIZED areas.

DATE CUSTOMER SERVICE DEPARTMENT CREDIT CARD COMPANY NAME COMPANY'S ADDRESS CITY, STATE AND ZIP CODE Re: Late charge on CARD NAME ACCOUNT NUMBER Dear Customer Service: I was charged a late fee of DOLLAR AMOUNT on my last bill for the above-referenced account. I believe this late fee is in error. I received my last bill on DATE. It was postmarked DATE. The bill had a due date of the NUMBER (E.G., 15TH) day of MONTH. I mailed my payment on DATE, which was in plenty of time for your company to receive and process my payment by your due date of REPEAT DATE SHOWN ON BILL. IF YOU HAVE A COPY OF YOUR CANCELED CHECK CONFIRMING THE DATE YOU WROTE IT, NOTE THAT HERE AND INCLUDE A COPY OF YOUR TIMELY WRITTEN AND MAILED CHECK WITH THIS LETTER. IF YOU DO NOT HAVE A COPY BUT ARE EXPECTING IT IN YOUR NEXT BANK STATEMENT, LET THE CARD COMPANY KNOW THAT YOU WILL PROVIDE ADDITIONAL DOCUMENTATION OF YOUR BILL PAYMENT TIMELINE AS SOON AS YOU RECEIVED IT. As you can see from the timetable above, I exercised reasonable and responsible judgment in paying my bill. Therefore, I am writing to ask that the fee be rescinded and the late charges removed from my bill. If you have any questions or want to discuss this further, please contact me by phone at TELEPHONE NUMBER or write me at the address below. Thank you for your prompt attention to this matter. Sincerely, YOUR SIGNATURE YOUR TYPED NAME ADDRESS CITY, STATE AND ZIP CODE Enclosure: copy of check payment