Credit Card Chargeback Dispute Letter
Dispute a credit card charge using your province's statutory chargeback right (Ontario CPA s.99, BC BPCPA ss.49-54, Alberta Internet Sales Contract Reg s.12, Quebec CPA s.54.14) plus the card network's chargeback rules. Includes billing-dispute address guidance and Visa/Mastercard/Amex reason codes.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
One-time price:$19≈ C$27Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
Your Situation
Tell us about the disputed credit card charge so we can tailor your letter.
This determines which provincial consumer-protection statute (statutory chargeback) applies, in addition to your card network's chargeback rules.
The bank or financial institution that issued your credit card.
The card network determines which reason codes and chargeback windows apply.
The last four digits of the credit card number associated with this charge.
Select the reason that best describes your billing dispute. This determines the applicable card network reason code.
Before you start
What exactly do I get, and when?
A personalized PDF letter, written around the statute that applies to your situation, with the deadline and the consequence spelled out. It downloads the moment payment confirms, back here on commoner-law.com — there is no waiting period and no account to create. You can also add certified mail at checkout and we will send the physical letter for you.
How much is it?
$19, once. Not a subscription, and nothing is charged until you complete payment on Stripe at the end of the wizard. Any add-ons you select show their own price before you pay.
Is this legal advice?
This tool creates a credit card billing dispute letter for self-help purposes. It is not legal advice and does not replace consultation with a licensed attorney. CRITICAL: It is important to send your written billing error notice to the card issuer as soon as possible, ideally within 30-60 days of the first statement showing the disputed charge. Your card network (Visa, Mastercard, etc.) sets specific deadlines for processing a chargeback under its own rules. The billing dispute must be sent to the card issuer’s designated billing dispute address — NOT the payment address. Sending to the wrong address may not preserve your rights.
What if I need to change something afterwards?
Tell us and we will either adjust the letter and send you the updated version at no cost, or refund you in full — your choice. If we can’t deliver what you paid for, the refund is automatic. Full terms are on our promise page.
Do I have to pay to know if I have a case?
No. The rights encyclopedia on this site is free and cites the same primary sources the letter does. Read the relevant guide first — plenty of situations are resolved by a phone call to a free statutory body, and where one exists we say so.