Dispute Letter Templates for Canadian Consumers
This page brings together dispute letter templates and guides for common consumer problems in Canada, including telecom billing issues, bank fee disputes, landlord repair concerns, and general complaints. You can use any of these templates as a starting point and then generate a customized letter with the free Dispute Letter Generator.
Start Here (Most Effective Next Steps)
When a company ignores your complaint, a formal, escalation-ready letter creates the paper trail you need. These three approaches work for most Canadian consumer disputes:
Each approach is deadline-based and escalation-ready, referencing Canadian regulators like CCTS, OBSI, or provincial consumer protection.
Most Common Dispute Letter Templates
These templates cover the most frequent disputes Canadian consumers face.
-
Dispute Letter (Canada)
The foundational template for any consumer dispute: billing errors, service issues, refunds.
Dispute Letter -
Complaint Letter (Canada)
A formal complaint letter for Canadian companies covering poor service, billing problems and more.
Complaint Letter -
Refund Request Letter (Canada)
Use this when a company has charged you for services not rendered or products not delivered.
Refund Request Letter -
Credit Card Dispute Letter (Canada)
Request a chargeback for unauthorized charges, fraud or billing errors on your credit card.
Dispute a Credit Card Charge (Canada) -
Landlord Complaint Letter (Canada)
Use this for repair issues, health and safety concerns, and unresolved maintenance problems in a rental unit.
Landlord Maintenance Complaint Letter -
Landlord Maintenance Complaint Letter (Canada)
Formal escalation letter for unresolved maintenance issues. Document the problem, set a deadline, and create a paper trail for tribunal filing.
Landlord Maintenance Complaint Letter -
Strongly Worded Complaint Letter (Canada)
When a company has ignored your complaint or given you the runaround. Firm, professional language with escalation references.
Strongly Worded Complaint Letter -
Telecom Dispute Letter (Rogers, Bell, Telus and others)
Use this template when you have incorrect phone, internet, or TV charges, unexpected fees, or cancellation charges.
View the Telecom Dispute Letter Template -
Bank Fee Dispute Letter
Use this when challenging unauthorized or unexpected bank and credit card fees, NSF charges, or service fees.
View the Bank Fee Dispute Letter Template
Guides and How-To Resources
These guides explain how to structure your letter and when to escalate your dispute.
- How to Write a Dispute Letter in Canada – step-by-step guide with examples and structure.
- Free Dispute Letter Generator – answer a few questions and generate a tailored letter for your situation.
When to Use These Templates
You may want to use a dispute letter when:
- You were billed incorrectly or charged unauthorized fees
- A company refuses a refund or credit you believe is fair
- A landlord is not addressing repair or maintenance issues
- A telecom provider continues to bill you after cancellation
- A product or service was not delivered as promised
Provincial and Regulatory Context (High Level)
Consumer and tenancy disputes in Canada are often handled under provincial laws and, in some cases, through specialized regulators or complaint bodies. A few examples:
- Landlord and Tenant Disputes – In British Columbia, many issues are handled under the Residential Tenancy Act and the Residential Tenancy Branch. In Ontario, disputes typically fall under the Residential Tenancies Act and may proceed to the Landlord and Tenant Board.
- Telecom Complaints – Many billing and service complaints can be escalated to the Commission for Complaints for Telecom-television Services (CCTS) if they are not resolved directly with your provider.
- Banking Complaints – Unresolved bank fee or service disputes may be raised through the bank's internal complaints process and, in some cases, the Financial Consumer Agency of Canada (FCAC) or an ombudsman.
This page and these templates are for communication and organization purposes only and do not provide legal advice. For specific legal questions you may wish to consult a lawyer or legal clinic.
Generate a Customized Dispute Letter
Once you find the template or guide that fits your situation, you can generate a customized letter using the DisputeLetter.ca Generator. The tool uses your facts, dates, and requested outcome to create a clear, structured letter that is ready to send by email, online complaint form, or mail.
Related Next Steps
For most consumer disputes, these formal, escalation-ready approaches are the most effective:
- Complaint letter when a company ignores you - When calls and emails get no response
- Second complaint letter after no response - Follow up after your first letter is ignored
- Formal complaint letter to a company (Canada) - The foundational format for any escalation