Subject: FORMAL COMPLAINT — Unauthorized Charges After Account Closure. My T-Mobile account was permanently closed approximately a year ago. 10/17/2026 received an SMS message stating that T-Mobile was charging my Discover credit card $83.69
I contacted T-Mobile customer service and was informed that I have no active T-Mobile account.
I dispute any charges associated with an account that I did not authorize. I demand that T-Mobile:
1. Investigate the source of the alleged charge and identify the account associated with it.
2. Confirm in writing that my former account is closed and that no new account was opened in my name without my authorization.
3. Immediately stop any unauthorized recurring billing and refund any unauthorized amounts collected.
4. Explain how my credit-card information is being used in connection with this alleged charge.
5. Confirm in writing that no further unauthorized charges will be submitted.
If T-Mobile cannot identify a valid, authorized basis for the charge, I request that the matter be resolved immediately.
Please treat this letter as a formal billing dispute and retain all records relating to the alleged account and charges.
Please respond in writing.
Claimed loss: $83.69
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This is a clear unauthorized charge and you have every right to escalate it formally. Call T-Mobile and ask for their fraud department, not general billing. Give them the SMS date, the Discover charge amount, and your old account number if you still have it. Tell them you want a written fraud investigation opened and a case number. Then call Discover and dispute the $83.69 as unauthorized, and ask them to block future T-Mobile charges. Keep the SMS and every call record. If T-Mobile does not respond in writing within 10 business days, file with the CFPB and the FCC. You closed that account, so they need to prove otherwise.