⚡ Three steps to a bank-ready dispute

How it actually works

From "WTF is this charge?" to a dispute you can file today — in five minutes. We help you prepare; you file with your bank.

Build my dispute →

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Step 01

< 3 min

Tell us who screwed you

Quick and painless — answer a few questions about the charge, the merchant, and what went wrong. Our AI classifies your case and finds your strongest dispute angle. Under 3 minutes.

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Step 02

AI-powered

We build your battle plan

We dig through bank regulations, Visa/Mastercard rules, merchant policies, and thousands of past cases. You get the exact reason code, evidence checklist, and your odds of winning.

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Step 03

Ready to file

Strike back

You get a step-by-step playbook: what to say to your bank, what evidence to attach, scripts for every call — plus a ready-to-file PDF. They won't know what hit them.

See it in action

Watch how the wizard handles a real dispute — from first message to refund confirmation.

Common questions

How long does the whole process take?+

The wizard takes under 5 minutes. Your bank typically resolves the dispute within 10–30 business days, with provisional credit often issued in 5–10 days. We make sure your filing is bulletproof so there's no back-and-forth.

Do I need a lawyer?+

No. Lawyers charge $400/hour and do exactly what our AI does for free: find the right reason code, draft a dispute letter, and compile your evidence. We just do it in 5 minutes instead of 5 billable hours.

What types of charges can I dispute?+

Fraud, unauthorized charges, billing errors, charges after cancellation, products not received, services not rendered, items not as described, double charges — we cover every dispute type across all card networks.

Will a chargeback hurt my credit?+

No. Filing a chargeback does not affect your credit score. It's a consumer protection mechanism, not a credit event. The disputed amount shows as pending during investigation, but it's not reported as missed payment.

What if the merchant has a "no refunds" policy?+

Doesn't matter. A merchant's refund policy does not override Visa/Mastercard chargeback rules. If the product wasn't delivered, wasn't as described, or you were billed incorrectly — you have dispute rights regardless.

Is this free?+

Searching our 50,000+ descriptor database and reading bank guides is free. The AI dispute wizard generates professional chargeback documents and a personalized battle plan. Everyone deserves access to fight unfair charges.