Refund and dispute letter writer
Fill in a few blanks and get a polite, firm letter you can email, paste into a support chat, or mail. Free, with no AI and no account.
This is a writing helper, not legal advice. We are not lawyers and this tool does not give legal advice. Read the letter, make sure every fact is true, and change anything that does not fit your situation.
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Your letter
Before you send a card dispute
- Deadline: to protect your rights under the Fair Credit Billing Act, the CFPB says to send a written billing error notice within 60 days after the charge appeared on your statement. The federal rule (Regulation Z) says the notice must reach the card company within 60 days after it sent the first statement showing the error.
- Where to send it: the address your card company lists for billing errors or billing inquiries (on your statement), which may differ from the payment address.
- Call too: the CFPB suggests calling the card company right away, then sending the written notice. Keep copies and write down the dates of your calls.
- What happens next: the card company must acknowledge your notice within 30 days and resolve it within two billing cycles (no more than 90 days). You do not have to pay the disputed amount while it investigates, but keep paying the rest of your bill.
- This letter is for credit cards. Debit cards and bank transfers follow different rules; contact your bank.
Sources: CFPB: How do I dispute a charge on my credit card bill? ยท Regulation Z, 12 CFR 1026.13 Billing Error Resolution (last checked Oct 2026).
Tips that help
- Try the company first. Many refunds are fixed by one clear message to support.
- Stick to facts and dates. Attach screenshots, receipts and confirmation emails.
- Stay polite. A calm letter is easier to approve and looks better if you need to escalate.