Product: Credit card or prepaid card

XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX XXXX XXXX XXXX Comenity XXXX XXXX XXXX : Billing Inquiries XXXX XXXX XXXX, XXXX XXXX OH, XXXX Re : Notice of disputed charge to Account No. XXXX Dear Customer Service, Billing Inquiries Department or Who it may concern. 
I am writing to dispute a charge of {$400.00} to my XXXX credit account for my billing period for the month of XXXX. The charge is in error because of the following : As you can check and review in my account I opened this account on XXXX XX/XX/22 and since my first billing I have been paying on time until current days, and following my habit of always paying on time for the month of XXXX I logged into my account and I paid the amount that I owed for the current month that was {$190.00} and I made that payment on XX/XX/22 with this I did my obligation and my status of my payment should be current, now for the month of XXXX XXXX receiving my XXXX statement and I have been charge again the month of XXXX ( I already paid on XX/XX/XXXX ) and also I have been charge the amount of {$30.00} for late payment and now I owe {$400.00}, which include : {$190.00} for XXXX {$30.00} late payment penalty and {$190.00} for the current month XXXX, when I received the email with the statement I proceed to call customer service ( on XX/XX/XXXX ) ( XXXX ) and I spoke with XXXX XXXX Agent number XXXX, and I explained my situation and he gave me as answer that the reason I have been charge and considered late is because the system took the payment I made on XX/XX/XXXX as an extra payment ( thing that doesnt make sense even tho whatever theory or math you do to decide that, because I paid on time ) because the statement closing date of XXXX is XX/XX/XXXX and due date is XX/XX/22 and and now the closing date for XXXX is XX/XX/22 and the due date is XX/XX/22 and the day XXXX writing this letter is XX/XX/XXXX ( which means XXXX current on my payments and on time ). After going with him since my XXXX statement and he noticed that he doesnt have the reason he hang up the phone call, and I recorded the whole conversation as proof that I can send at any time if you need it, the point of my claim is that if your system made a mistake and took my payment as an extra payment or according to your customer service representative if the closing date which means according to him is not on time, the most logical is that you fix that system error and XXXX ) remove {$30.00} dollar late payment penalty fee, XXXX ) the payment that I made on XX/XX/XXXX put it on that monthly payment and XXXX ) only charge me the {$190.00} instead of {$400.00} for the month of XXXX that XXXXm more than happy to pay and continue paying until my maturity date. I dont think that Im asking you to bring me the moon or put the fire off from the sun, I have been an on-time customer and I dont deserve the treatment received by your agent, policies, or system. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of [ describe any enclosed information, like sales slips, payment records, or documentation of shipment or delivery dates ] supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Account Summary, Transaction, and Statements, Scheduled payment confirmation email, schedule co [ List the documents you are enclosing. Send copies, of XXXX, XXXX, and XXXX statements.