Know your deadline — now get the words. Answer 8 quick questions and get a professional dispute letter tailored to your reason, citing the rules that protect you.
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A clear, written dispute does two things a phone call alone may not: it creates a paper trail with a date stamp, and — for US credit cards — it triggers the 60-day written-notice protection under the Fair Credit Billing Act. Pair the letter with the deadline from our chargeback deadline calculator and you cover both halves of a strong dispute: timing and documentation.
Run your dates through the deadline calculator first — then come back and generate your letter.
In most cases, yes — banks accept written disputes that clearly identify you, the transaction, and the reason. This generator produces a formal letter in the format dispute departments expect, citing the applicable framework (FCBA, Reg E, or card-network rules). Acceptance ultimately depends on your issuer and the facts of your case.
Filing in your bank's app or by phone is usually fastest, and most banks accept disputes that way. But for US credit cards, the Fair Credit Billing Act's 60-day protection is triggered by a written dispute — a secure message through your bank usually counts. Keep a copy of anything you send.
Usually yes. Most issuers ask whether you tried to resolve the issue with the merchant first, and a written record of that attempt (email or chat) strengthens your case. Just don't let negotiations eat into your filing deadline.
It depends on the reason: receipts and tracking for non-delivery, photos for defective goods, statements showing both charges for duplicates, cancellation confirmations for subscriptions, and any correspondence with the merchant. The generator includes a tailored evidence checklist with every letter.
No. The letter generator runs entirely in your browser — your name, card details and transaction information are never sent to any server, stored, or shared. See our privacy policy.
