Start here
The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why the record moves faster than the argument
Support queues and banks respond to facts, not frustration. A dated letter that names what you authorized, what the agent actually did, and the specific correction — refund, cancellation, reversal — is the document that moves through the system.
The letter also creates the paper trail you need if the first response is a no: a record of the date, the claim, and the remedy requested, ready to escalate to the card issuer or a regulator.
The protocol
- Enter what you authorized, what the agent did, and the correction you want.
- Generate the letter with the timeline and the specific remedy.
- Send it through the official dispute channel, and keep the dated copy.
- If the first answer is a no, escalate to the card issuer, then the CFPB or your state regulator.
What the tool does
Build a factual dispute letter from what you authorized and what the agent did. It runs in this browser; nothing is sent or stored.
Limit first: This is a letter aid, not legal advice and not a guarantee of any outcome. Do not include full card or account numbers in the letter body until you are told where to send them.
Open the companion tool →One human next step
Send the letter through the official channel and keep the copy. If refused, escalate to the card issuer, then the CFPB.
Research log and safety checks
AI-assist path: not applicable — a dispute letter must be factual and in the reader's own record; a model draft risks inserting details the reader did not authorize. §6.10: not a frontier-pace topic.
§0.5 protection result: category is financial-agent-exposure; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.