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📋 Complaint Letters

Complaint Letter to an Insurance Company for Claim Denial

Use this template when your insurance company has denied a claim that you believe should be covered under your policy. This letter serves as a formal appeal and written record of your dispute, appropriate when initial verbal discussions with your insurer have not resolved the matter.

Dear [Insurance Company Name] Claims Department, I am writing to formally dispute and appeal the denial of my insurance claim. I received your denial letter dated [Date of Denial Letter] and, after carefully reviewing both the stated reasons for denial and the terms of my policy, I believe this claim has been wrongfully denied and should be reconsidered.
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Complaint Letter to a Company for a Defective Product

Use this template when a product you purchased is defective, malfunctioning, or not performing as advertised. This letter is appropriate after initial customer service attempts have failed and you need a formal written record demanding a replacement, repair, or refund.

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Complaint Letter to Landlord for Repairs

Use this template when you need to formally request that your landlord address outstanding maintenance or repair issues in your rental property. This letter is appropriate after verbal requests have gone unanswered and you need a written record of your complaint. It is firm and clear while remaining respectful and professional.

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Complaint Letter to a Bank for Unauthorized or Fraudulent Charges

Use this template when you have discovered unauthorized or fraudulent transactions on your bank account and need to formally notify your bank in writing. This letter is appropriate when phone calls to customer service have not fully resolved the issue or when you want a documented record of your dispute for your protection.

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Complaint Letter to a Hospital for Incorrect or Excessive Billing

Use this template when you have received a hospital bill that contains errors, unexpected charges, or amounts that appear excessive compared to the services provided. This letter is appropriate when initial calls to the billing department have not resolved the issue and you need a formal written dispute on record.

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Complaint Letter to a Car Dealer for a Defective Vehicle

Use this template when you have purchased a vehicle that has significant defects, mechanical problems, or undisclosed issues. This letter documents the problems, references your purchase details, and requests repair, replacement, or refund under applicable consumer protection laws or warranty terms.

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Complaint Letter to a Utility Company for an Overcharge

Use this template when your utility bill contains charges that are significantly higher than expected or includes errors you believe are incorrect. This letter requests a review of your account, provides supporting details, and asks for a billing adjustment or explanation.

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How to customize this template quickly

  1. Replace each placeholder with your real details.
  2. Adjust one sentence for your exact timeline and context.
  3. Read once for tone, then send.

Key placeholders in this version

[Insurance Company Name][Date of Denial Letter][Your Full Name][Policy Number][Claim Number][Type of Policy, e.g., Health, Homeowners, Auto, Life][Date of Incident or Medical Service][Date Claim Was Submitted]

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