Credit Card Dispute Letter Template for New Zealand

The Credit Card Dispute Letter is an essential document in New Zealand's consumer protection framework, used when cardholders need to formally contest charges on their credit card. This document type is typically employed when unauthorized transactions are discovered, goods or services don't match what was promised, or when billing errors occur. The letter must be structured to comply with New Zealand's Credit Contracts and Consumer Finance Act 2003 and align with the dispute resolution procedures established by the Banking Ombudsman Scheme. It serves as a formal record of the dispute and often represents the first step in a potential escalation process, should the initial resolution attempt prove unsuccessful. The document should include comprehensive transaction details, clear explanation of the dispute reason, and any supporting evidence, while adhering to the timeframes specified in New Zealand banking regulations for dispute submissions.

1. Sender and Recipient Information: Full contact details of the cardholder and the credit card issuer/bank, including account number and reference numbers

2. Date: Current date of the letter

3. Subject Line: Clear indication that this is a credit card dispute letter with relevant reference numbers

4. Transaction Details: Specific details of the disputed transaction(s) including date, merchant name, and amount

5. Dispute Reason: Clear explanation of why the transaction is being disputed

6. Previous Actions Taken: Description of any steps already taken to resolve the issue, such as contacting the merchant

7. Requested Resolution: Specific statement of what action you want the credit card issuer to take

8. Closing Statement: Professional closing with a clear timeframe for expected response