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Card was charged for something you did not purchase with the card. Comenity capital bank/XXXX visa card Disputes Department Comenity Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> Subject : Formal Dispute of Unauthorized Charges XXXX Visa Credit Card Ending in XXXX Dear XXXX XXXXComenity Bank Disputes Department , I am writing to formally dispute a number of unauthorized charges that were previously investigated and removed from my XXXX XXXX account but have reappeared on my balance without explanation. This situation is both unacceptable and concerning. These disputed transactions were already reported as unauthorized, and yet they were re-added to my account balance. Under the Visa Zero Fraud Liability Policy and the Fair Credit Billing Act ( FCBA ), I am not liable for unautho