DisputeTheCharge

Your charge. Your money.

Let's get it back.

The right letter. The right deadline. Pre-filled for your bank.

▾
▾
3,247 dispute letters generated

Sample dispute letter

Replace the bracketed fields with your information.

To: Chase Dispute Department

Re: Unauthorized Charge — charge of $87.43 on March 14, 2025

Dear Chase Disputes Team,

I am writing to formally dispute a charge on my credit card.

Charge details:
  Merchant: Unknown Merchant
  Descriptor on statement: AMZNMKTPLACE
  Amount: $87.43
  Date: March 14, 2025

Reason for dispute:
I did not authorize this charge. I have reviewed my account and do not
recognize this merchant or transaction. I am requesting a full review
and reversal of this amount.

I have not yet been able to resolve this with the merchant directly.

I am requesting a full reversal of this charge in accordance with
Regulation Z (15 U.S.C. § 1666) and your cardmember agreement.

I will provide supporting documentation upon request.

Sincerely,
[Your name]
[Account number last 4 digits]
[Contact phone]
[Date]

Generate your letter below and it will be pre-filled with your bank, charge details, and the correct regulatory language for your situation.

How this works

01

Identify the charge

Find it on MysteryCharges or enter the descriptor directly.

02

Generate your letter

Select your bank and describe what happened. We write the rest.

03

Send it to your bank

Submit through the channel we recommend — online, phone, or mail.

04

Watch for your bank's response

They're required to acknowledge within 30 days and resolve within 90.

Your bank. Your rules.

Chase

60-day window

Capital One

60-day window

Wells Fargo

60-day window

Bank of America

60-day window

Discover

60-day window

American Express

60-day window

Citi

60-day window

Chime

90-day window

See all supported banks →

Tell us what happened

Unauthorized charge

I did not make this charge and did not authorize anyone to make it on my behalf.

Duplicate charge

The same transaction was processed more than once, resulting in a duplicate charge on my account.

Didn't receive goods or service

I paid for goods or services that were never delivered or provided.

Free trial I didn't authorize

I enrolled in a free trial and was not clearly informed that I would be automatically charged at the end of the trial period.

Recurring charge after cancellation

I cancelled this subscription prior to the billing date but continue to be charged.

Tools

Dispute deadline calculator

Enter your bank, card type, and charge date. We'll tell you exactly how many days you have left — and when to act.

Pending charge release calculator

Not sure if that hold is real? Find out when it should clear — and when to escalate.

Not sure what the charge is?

Identify it first — then come back ready to dispute.

Identify on MysteryCharges