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Describe the situation, get a professional letter ready to copy, download, or email to yourself.

Describe your situation

Credit card dispute
Charged after canceling
Gym cancellation
Unauthorized charge
Refund denied
Subscription issue
Hotel / Airline
Item not received
No need to fill in your personal details, just describe the situation with relevant company name, dates, issue, etc. The letter will contain placeholder brackets you fill in privately.
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Common questions about disputing a charge

How do I write a dispute letter to my bank?

A strong dispute letter states the disputed amount, the merchant, the date, and the reason for the dispute, and references the Fair Credit Billing Act for credit card charges. It requests a specific resolution within 30 days. The generator above writes a professional letter you fill in with your details privately.

What is the Fair Credit Billing Act?

The Fair Credit Billing Act (FCBA) is a US federal law that lets you dispute billing errors on credit card accounts, including charges for goods or services you did not accept or that were not delivered as agreed. You generally have 60 days from the statement date to dispute in writing.

What is the difference between a dispute and a chargeback?

A dispute is your formal request to your bank to investigate a charge. A chargeback is the reversal of the charge that can result from a successful dispute. You start with a dispute letter; if the merchant cannot justify the charge, the bank issues a chargeback and refunds you.