Document background
The Credit Card Dispute Letter is a crucial document used when cardholders need to formally contest charges on their credit card accounts in Malaysia. This document is typically required when unauthorized transactions appear, when goods or services paid for weren't received, when duplicate charges occur, or when there are billing errors. The letter must comply with Malaysian financial regulations, including the Financial Services Act 2013 and Bank Negara Malaysia guidelines, which provide specific timeframes and procedures for dispute resolution. It should contain detailed information about the disputed transaction(s), supporting evidence, and clear communication of the desired resolution. The document initiates a formal investigation process by the card issuer and may serve as a key reference document if the dispute requires escalation to regulatory authorities or consumer tribunals.
