How do I dispute a utility bill overcharge?

Contact your utility's billing department in writing, request an explanation of the charge, and ask for a meter accuracy test — which is your right at no cost. If unresolved, file a complaint with your state Public Utilities Commission (PUC).

Can a utility disconnect my service while I'm disputing a bill?

Generally no. Most state PUC rules prohibit utility companies from disconnecting service while an active billing dispute or PUC complaint is pending.

What is a PUC complaint?

A Public Utilities Commission complaint is a formal regulatory complaint that triggers an investigation of your billing dispute. Most utilities resolve disputes quickly once a PUC complaint is filed.

Dispute Your Utility Bill Overcharge

Utility companies operate under state Public Utilities Commission (PUC) oversight and are required to investigate billing disputes, verify meter accuracy, and provide accurate bills. Estimated meter readings, billing errors, and rate misapplications are common grounds for disputes.

Success rate: 58% · Average recovered: $380 · Time limit: Varies by state; file PUC complaint within 6–12 months of the disputed bill

Winning Arguments

Bill is significantly higher than same period last year with no usage change
Meter readings appear estimated rather than actual
Charges include services or fees not disclosed in your service agreement
The utility failed to respond to prior billing inquiries in writing
Rate classification is incorrect for your usage type
Energy assistance programs were not applied as required

Laws That Protect You

State PUC regulations (varies by state)
Public Utility Regulatory Policies Act (PURPA)
Truth in Billing requirements

How to Dispute — Step by Step

Request an explanation of the bill from the utility's billing department
Request a meter re-read or meter test at no charge (first test is usually free)
Document your dispute in writing via certified mail
Escalate to the utility's formal dispute process
File a complaint with your state PUC if unresolved
Your utility cannot disconnect service while a formal PUC complaint is pending in most states

What to Include in Your Dispute Letter

Your full name, mailing address, and the account or bill number in question
A clear statement that you are formally disputing the charge, and the specific reason why
The law or billing right that supports your position (see the laws listed above)
Copies — never originals — of receipts, statements, or correspondence as evidence
A reasonable deadline for a written response, typically 30 days

A well-documented, written dispute that cites the right law puts the burden back on the biller to justify the charge. Keep a copy of everything you send, use certified mail when possible, and follow up in writing if you do not receive a timely response. ContestMyBill generates a letter that does all of this for you.

Frequently Asked Questions

Can the utility disconnect me while I'm disputing a bill?

In most states, utilities cannot disconnect service while a formal PUC complaint is pending. Filing a PUC complaint immediately creates this protection.

What is an estimated meter reading?

When utilities can't read your meter, they estimate your usage. Estimates can significantly over- or under-charge. You have the right to an actual reading.

How long does a utility dispute take?

Internal disputes typically take 10–30 days. PUC investigations can take 60–90 days, but protections often apply during that period.

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