Complete our online form. Complete this form if any of the following applies: You think that you are not at fault for the overpayment and you cannot afford to pay the money back.An overpayment occurs when you receive more money than you should have been paid. A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. Here, we'll explain what you letter must include, and offer key tips and templates to successfully challenge a payment card chargeback. Overpayment issues occur when patients or insurance companies pay healthcare providers more sum than they're owed. If the Social Security Administration sent you a notice about an overpayment you owe, you can make a secure payment here.