Win a refund or chargeback with a clean evidence packet

AI writes the merchant request and, if refused, a concise chargeback narrative matching the right reason code and Fair Credit Billing Act timelines.

Realistic savingsIllustrative: any disputed purchase, from a $24 renewal to a several-thousand-dollar service that wasn't delivered.

DifficultyEasy

Time30-60 min

Real-world reports

We haven't yet found a well-documented AI-specific case for this recipe; the savings range above is illustrative. Send us yours.

Tools

ChatGPT, Claude, Gemini or Grok (free tiers work; paid ~$20/mo helps with long files)
Receipts, emails, screenshots

Steps

Contact the merchant in writing first with a deadline.
Build a timeline of dated evidence.
File the dispute with your card within 60 days of the statement.
Respond to merchant rebuttals with the timeline.

Copy-paste prompt

Timeline [PASTE]. Draft (1) a firm merchant refund request with a 7-day deadline and (2) a 150-word card dispute narrative stating the category (not received / not as described / canceled recurring), facts and attachments.

What to verify

Be accurate; false disputes can get accounts closed.

Go deeper on money workflows with AI Money Playbooks: verify-first AI prompts for budgeting, bookkeeping, bills and taxes.

Official sources

FTC: disputing credit card charges

Educational only; not legal, tax, medical or financial advice. Laws and prices change; check official sources.

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