Bill Slayer · Subscriptions
Dispute unauthorized charges.
Letter with consumer rights arguments.
Answer 5 quick questions — get a personalized dispute letter referencing your consumer rights, tailored to your card type and timeline.
2
letter templates
2 min
time to generate
3
legal arguments
$8.00
$16.00
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Instant delivery to your emailYou see a charge on your statement you don't recognize
You see a charge on your statement you don't recognize. Get your money back.
This guide gives you a dispute letter and consumer rights arguments to get a refund.
This guide gives you a dispute letter and consumer rights arguments to get a refund.
Fraudulent charge
You have a charge you never authorized. You need to dispute it.
Don't know how to write a dispute
You don't know what to say or who to send it to.
Need consumer rights references
You need to reference the law to get your money back.
No escalation plan
If they say no, you don't know what to do.
What you get
Everything you need to dispute a charge.
Dispute letter
A complete, ready‑to‑send letter to your bank or card issuer — just fill in and send.
Key arguments
Consumer rights references to strengthen your case.
Evidence checklist
What documents to include — with instructions.
Escalation plan
What to do if the issuer refuses — including CFPB complaints.
How it works
From unknown charge to refunded in 2 minutes.
1
Answer 5 quick questions
Tell us your card issuer, amount, charge date, merchant, and if you've contacted anyone.
~2 minutes2
AI builds your custom dispute letter
You get a complete HTML document with a dispute letter, arguments, and escalation plan.
~30 seconds3
Get your money back
Send the letter, gather evidence, and escalate if needed.
You decide1
complete dispute system
4
letter sections
3
escalation steps
5
evidence items
Questions
Everything you need to know.
How long do I have to dispute an unauthorized charge?
Under the Fair Credit Billing Act, you have 60 days from the date of your statement. The guide includes a timeline to ensure you meet the deadline.
Do I need to contact the merchant first?
You can, but it's not required. The guide explains when to contact the merchant and when to go straight to the bank.
What if the bank says the charge is valid?
The escalation plan includes filing a complaint with the CFPB (Consumer Financial Protection Bureau) and other options.
Is this for credit card or debit card disputes?
Both — but the law is slightly different. The guide is tailored to your card type and includes the relevant legal references.
Will I have to pay the disputed amount in the meantime?
Under FCBA, you don't have to pay disputed charges during the investigation. The guide explains your rights and how to handle it.
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