Your bank denied your chargeback?
Or you haven't filed one yet.
Consumer chargebacks are often filed with the wrong reason code, outside the network submission window, or as unstructured narratives instead of evidence in the format issuers review. ClaimGap addresses all three: we identify the applicable Visa / Mastercard / Amex / Discover reason code for your scenario, compute the submission deadline from your statement date, and organize your evidence in a structured package. The outcome is determined by your issuing bank under the applicable network rules and federal regulations — Regulation E for debit, Regulation Z §1026.13 for credit.
The three mistakes that kill consumer chargebacks
- 1
Wrong reason code
Filing a "not-as-described" dispute for a fraud case (or vice versa) gives the merchant a free re-presentment. The correct code depends on network, card type, and scenario — we pick it deterministically from Visa core rules, Mastercard chargeback guide, Amex regs, and Discover network guidelines.
- 2
Missed window
Visa / Mastercard / Amex / Discover each publish their own submission windows — up to 120 days for most consumer scenarios — and Reg E (debit) / Reg Z (credit) layer a 60-day statutory window on top. We calculate from your statement date and tell you the exact deadline, so you never file a valid dispute a day late.
- 3
Narrative instead of evidence
Issuers want structured proof — tracking numbers, cancellation timestamps, communication logs — in the order their case system expects. We package it that way, with a cover letter that cites the reason code and the applicable network rule, so the bank's chargeback desk can route it without asking you to resubmit.
ClaimGap is not a law firm. Our chargeback dispute package is informational; the outcome is determined by your issuing bank and the applicable card network rules. We do not represent you in the dispute.