Updated: November 26, 2025
Credit Card Late Fee Dispute Log PDF (Free Template)
Track unfair or mistaken late fees, reasons given by the bank, your counterpoints, and every call or chat so you can escalate with evidence.
When to dispute a late fee
Use a dispute log when autopay glitches, misapplied payments, mail delays, or first-time forgiveness situations lead to fees you believe are unfair.
What to track
- Statement dates and late fee amounts.
- Reasons the bank provided for charging the fee.
- Your position or evidence that the fee is wrong.
- Call or chat dates, channels, representative names, and reference numbers.
- Promised reversals, escalations, and final outcomes.
How to use the free tool
- Enter your account details and payment history summary.
- Add each late fee with the bank’s reason, your position, and contact notes.
- Generate the PDF and attach it to bank escalations, CFPB complaints, or small claims filings.
Start your late fee log
Fill it out privately and download the PDF for free.