A “Sample Letter To Reject Arbitration Credit Card” helps you opt out of mandatory arbitration. Credit card companies often include this clause. It forces you to resolve disputes through arbitration, not in court. You might need this letter if you prefer your legal rights to sue.
Writing this letter can feel daunting. Finding the right words is tricky. Knowing the correct format is also essential.
We’ve got you covered! This article provides sample letters. Use these templates to easily reject arbitration. Tailor them to fit your specific needs.
Sample Letter To Reject Arbitration Credit Card
**Sample Letter To Reject Arbitration Credit Card**
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Your Email Address]
[Your Phone Number]
[Date]
[Credit Card Company Name]
[Credit Card Company Address]
[Credit Card Company City, State, Zip Code]
**Subject: Rejection of Arbitration Clause – Account Number: [Your Credit Card Account Number]**
Dear Sir/Madam,
I am writing to formally reject the arbitration clause added to my credit card agreement for account number [Your Credit Card Account Number]. I received notification of this change on [Date you received the notice].
I do not agree to resolve any future disputes through arbitration. I wish to retain my right to pursue legal action in a court of law, should a dispute arise.
Please confirm in writing that you have received this letter and that my account will be updated to reflect my rejection of the arbitration clause.
Sincerely,
[Your Signature]
[Your Typed Name]
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How to Write Letter To Reject Arbitration Credit Card
Subject Line: Declaring Your Intent
The subject line is your clarion call. Make it succinct and unambiguous. For example:
- Subject: Rejection of Arbitration – Account [Your Account Number]
This immediately alerts the recipient to the letter’s purpose.
Salutation: Establishing Professionalism
Address the recipient with appropriate formality. If you know the specific contact person, use their name. Otherwise, a generic but respectful salutation suffices:
- Dear [Arbitration Department/Legal Department],
- To Whom It May Concern:
Maintain a professional tone from the outset.
Body Paragraph 1: Formal Rejection
Begin by unequivocally stating your rejection of the arbitration clause. Reference your account number for clarity.
- I am writing to formally reject the arbitration clause pertaining to my credit card account, number [Your Account Number].
- This letter serves as notification that I do not consent to resolve any disputes through arbitration.
Be direct and avoid equivocation.
Body Paragraph 2: Rationale (Optional but Recommended)
While not strictly necessary, providing a brief rationale can bolster your position. Focus on your right to seek redress through the courts.
- I prefer to retain my right to pursue legal recourse through the court system should a dispute arise.
- I believe that a judicial forum offers a more impartial and transparent avenue for dispute resolution.
Keep this succinct and avoid accusatory language.
Body Paragraph 3: Reinforcing Your Position
Reiterate your rejection and emphasize your expectation that the credit card company will honor your decision.
- Therefore, I reiterate my rejection of mandatory arbitration for my account.
- I trust that [Credit Card Company Name] will acknowledge and respect my decision in this matter.
This reinforces your stance and sets a clear expectation.
Closing: Maintaining Civility
End with a polite closing. Even in disagreement, maintain a civil tone.
- Sincerely,
- Respectfully,
Followed by your typed name.
Signature Block: Providing Necessary Information
Include your typed name, address, phone number, and email address. This ensures the credit card company can easily contact you, if needed.
- [Your Typed Name]
- [Your Address]
- [Your Phone Number]
- [Your Email Address]
This comprehensive information facilitates efficient communication.
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Frequently Asked Questions: Rejecting Credit Card Arbitration
This section provides answers to common questions regarding sending a sample letter to reject arbitration with your credit card company. Understanding your rights and options is crucial when making financial decisions.
1. What is a credit card arbitration clause?
A credit card arbitration clause is a provision in your credit card agreement that requires you to resolve disputes through arbitration rather than through court litigation.
2. Why might I want to reject arbitration?
Rejecting arbitration preserves your right to sue the credit card company in court, which may be advantageous in certain situations, such as class action lawsuits.
3. How do I reject the arbitration clause?
Typically, you must send a written notice to the credit card company within a specified timeframe after opening the account or receiving a notice of the arbitration clause. The exact procedure is outlined in your cardholder agreement.
4. What should be included in my rejection letter?
Your letter should clearly state that you are rejecting the arbitration clause, include your name, account number, and the date. Sending the letter via certified mail with return receipt requested is also advisable.
5. Is there a deadline to reject arbitration?
Yes, the credit card agreement will specify a deadline. Failing to meet this deadline may mean you are bound by the arbitration clause.