A charge on your card that shouldn't be there? Dispute it formally.
AI drafts a billing-error dispute to your card issuer under the Fair Credit Billing Act — preview it free before you pay.
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What's actually happening.
A charge you didn't authorize. A wrong amount. A double-charge. Something you paid for that never arrived, or arrived broken. The merchant won't fix it, and the charge sits on your statement collecting interest. The Fair Credit Billing Act gives you a formal dispute process with your card issuer — with real deadlines on their side. But it has a deadline on yours too: your dispute must reach the issuer within 60 days of the statement that first showed the error.
What we draft.
I am writing to dispute a billing error on my account ending [LAST 4 OF CARD], which appeared on my statement dated March 14, 2026, and to assert my rights under the Fair Credit Billing Act, 15 U.S.C. § 1666. Disputed charge: $312.50, posted February 27, 2026, merchant [MERCHANT NAME]. I did not make or authorize this charge. I request that you investigate this billing error, correct it, and remove any related finance charges or fees, and that you confirm the outcome to me in writing...
Full letter includes: account identification, each disputed charge with date, merchant, amount, and specific billing-error reason, FCBA §1666 assertion, investigation and correction request, the issuer's acknowledgment and resolution timelines, and enclosure list (statement with the charge highlighted).
How it works.
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Pricing.
One-time generation. A formal dispute your issuer's billing-inquiries department has to process.
Full letter as PDF and DOCX. You print, sign, and mail with your statement copy.
We mail USPS Certified with tracking + signature. Bundle saves 5%.
Adds a physical signed receipt mailed back to you.
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Laws we cite.
We ground every letter in real statutes and regulations. Here's what applies to your situation:
15 U.S.C. § 1666 Fair Credit Billing Act — your right to dispute billing errors with your card issuer: unauthorized charges, wrong amounts, duplicates, and goods or services not received.
Regulation Z The implementing regulation for the FCBA's billing-error procedures — the framework your issuer must follow when you dispute in writing.
FCBA timelines The issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles — and you may withhold payment on the disputed amount while it's under investigation.
Who this isn't for.
We're honest about our limits. FightThis may not be right if:
- More than 60 days have passed since the statement that first showed the error — the FCBA dispute window has likely closed.
- The charge is on a debit card — those disputes follow different rules than credit card billing errors.
- You're in active litigation with the merchant or issuer — you need an attorney for that.
- The item is wrong on your credit report rather than your card statement — that's a credit bureau dispute, which we also support.
If your situation is high-stakes, please find a local attorney. Many state bars have free or low-cost referral services.
Common questions.
How long do I have to dispute a charge?
Your dispute must reach your issuer within 60 days of the statement that first showed the error. Don't sit on it — the letter takes minutes to generate.
Do I have to keep paying the disputed charge?
Under the FCBA you may withhold payment on the disputed amount while it's under investigation. You still owe the rest of your balance as usual.
What counts as a billing error?
A charge you didn't authorize, a charge for the wrong amount, duplicate billing, goods or services you never received, or goods or services that weren't as described or were defective.
What if the product arrived but wasn't as promised?
That's a claims-and-defenses situation under the FCBA — you should first attempt to resolve it with the merchant. Our letter classifies your dispute and notes that step where it applies.
Where do I send the letter?
To your issuer's billing-inquiries address — not the payment address. It's listed on your statement. Our letter is addressed there, and we can mail it certified for you.
How fast does the issuer have to respond?
Under the FCBA the issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles, and confirm the outcome in writing.
We mail it for you
The FCBA clock runs on when your dispute reaches the issuer's billing-inquiries address — within 60 days of the statement showing the error. Certified mail gives you dated proof it arrived in time.
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