Charge and Debt Disputes

Before you start — about 8 minutes

Upload the statement showing the charge you're disputing. Tell us what's wrong: a charge you didn't authorize, a wrong amount, a double-charge, something you paid for and never received, or a refund a merchant is refusing even though you cancelled inside their own window. Depending on your answers, FightThis drafts a formal dispute either to your card issuer under the Fair Credit Billing Act, or directly to the merchant. Timing matters for card disputes: a billing-error dispute must reach your issuer within 60 days of the statement that first showed the error, so don't sit on it.

Upload any written notice you've gotten from the collection agency — the validation notice, a collection letter, anything with their name and the amount they claim you owe. Tell us what you want the letter to do: demand they prove the debt, tell them to stop contacting you, dispute the debt outright, or offer a settlement. FightThis drafts a formal letter to the collector under the Fair Debt Collection Practices Act — not to your card issuer, and not to a merchant. Timing matters here too: if you know when you received their first written notice, a letter that goes out within 30 days of it can invoke your right to make them stop collecting until they verify the debt.

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