$29 flat fee · one-time

Generate your chargeback dispute letter

Preview is free. You only see a checkout button if we find a valid reason code and evidence.

Three short steps: pick the scenario, enter the transaction details, and add your contact info. We build the reason-coded dispute letter and the evidence checklist in the format your issuing bank expects.

About two minutesNetwork-specific reason codeDeadline calculated from your statement date

Skip typing — upload your bank letter + statement

Drop the PDF once and we'll pre-fill every field for you. You can still correct anything before paying. Works with most issuer rejection letters and monthly card statements.

You'll need: Card statement · Bank's decision/rejection letter

Don't have the documents handy? Skip this step — the intake form below works on its own.

Step 1 of 333%

What happened with this charge?

Pick the option that best describes your situation. You can go back and change it later.

I never received what I orderedPaid for goods or services that were never delivered or provided.What I received was wrong, defective, or not as describedItem arrived damaged, counterfeit, or materially different from what was advertised.Someone used my card number online without permissionI did not make this online or phone transaction and my physical card was with me.Someone used my physical card without permissionMy card was lost, stolen, or counterfeited and used in person at a terminal.A subscription I cancelled keeps billing meI cancelled a recurring service but the merchant continued to charge my card.The merchant promised a refund but never issued itA refund or cancellation credit was agreed to but has not appeared on my statement.I was charged twice for the same purchaseThe same transaction was posted more than once on my account.I already paid for this by another methodI paid the merchant in cash or by another card but they also charged this one.The amount or timing of the charge is wrongThe charge posted for the wrong amount, after a hold expired, or without my authorization of the final total.

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.