[DATE]

Re: Formal Notice of Billing Dispute — Card ending in [LAST 4 DIGITS]

Dear Dispute Resolution Representative:

I am writing to formally dispute a charge on the above-referenced credit card account and to request a chargeback pursuant to the card network rules applicable to my [Visa / Mastercard / American Express] card and the consumer protection obligations set out by the Financial Consumer Agency of Canada (FCAC).

Disputed Charge:

• Merchant: [MERCHANT NAME]
• Date of charge: [DATE CHARGE POSTED]
• Amount: $[AMOUNT] CAD
• Appeared on my: [MONTH/YEAR] statement

Reason for Dispute (check all that apply):

• ☐ This charge was not made by me or any authorized user (fraud / unauthorized transaction)
• ☐ The merchandise was never delivered / service was never rendered
• ☐ The merchandise or service was materially not as described or advertised
• ☐ I was charged an incorrect amount
• ☐ I returned the merchandise and the credit was not applied
• ☐ The merchant agreed to cancel / refund but did not do so
• ☐ I cancelled a subscription and was charged after cancellation
• ☐ The merchant ceased operations before delivering goods or services I pre-paid for
• ☐ Other: [DESCRIBE]

Steps Taken to Resolve with Merchant

Prior to contacting my card issuer, I attempted to resolve this matter directly with the merchant as follows:

• [DATE]: [DESCRIBE CONTACT — e.g., "Contacted merchant by email / phone requesting a refund. Merchant refused / did not respond."]
• [DATE]: [DESCRIBE ANY FURTHER CONTACT OR MERCHANT RESPONSE]

The merchant has [refused to issue a refund / failed to respond / is no longer reachable]. I am therefore requesting a chargeback through my card issuer.

Supporting Documentation

I have enclosed the following documentation in support of this dispute:

• ☐ Order confirmation / receipt showing what was purchased and the purchase price
• ☐ Proof of non-delivery or evidence that goods/services were not as described
• ☐ Screenshots of product listing, advertisement, or merchant website
• ☐ Correspondence with merchant (emails, chat logs, reference numbers)
• ☐ Credit card statement showing the disputed charge
• ☐ Return / cancellation confirmation (if applicable)
• ☐ Other: [DESCRIBE]

I respectfully request that you initiate a chargeback for the disputed amount of $[AMOUNT] CAD, issue a provisional credit to my account during the investigation, and investigate this dispute in accordance with [Visa / Mastercard / Amex] network chargeback rules and your obligations as a federally regulated financial institution under the FCAC framework.

Please contact me at the phone number or email address listed above if you require any additional information.

Sincerely,

Enclosures: [List each document enclosed]