Chargeback & Billing Disputes Help

Common Problems

  • You were charged twice for the same purchase
  • You paid, but never got what you ordered
  • You canceled, but they charged you anyway
  • You received the wrong product
  • They drag out the investigation
  • They close your case and say you never responded—even when you did
  • They refused to issue temporary (provisional) credit while they “investigate”
  • They side with the merchant, no explanation given
  • They blame you and say the charge was “authorized” just because you’ve shopped there before

Potential Solutions

  • We use federal law to demand your bank conduct a full and prompt investigation
  • Get your money back for fraudulent debit card use
  • Dispute overdraft or late fees triggered by the bank’s delay.
  • Hold your bank accountable—not just for a refund, but for the trouble they caused.

You fought the charge.
And you were right.

Hands holding a Wells Fargo letter stating ‘Final credit issued – $250 refund approved,’ confirming a successful bank-charge dispute.

You knew the company, but you didn’t approve the charge.

It wasn’t some scam site. Maybe it was a store or service you’ve used before and even trusted.

But now your account shows a charge you never agreed to. Or a delivery that never came.

When you asked about it, the company passed the blame. Or your bank said it was “authorized,” just because you’ve shopped there
before.

You’re not being difficult. You’re not asking for a favor. You’re asking for what’s fair.

When the merchant gets it wrong—and the bank lets it slide

Some companies make billing mistakes. Others make a habit of it. They tack on fees. Ship nothing. Charge for services that were never provided.

That’s bad enough. The main issue arises when the bank won’t reverse the charge or fails to investigate properly.

You send evidence. They ignore it. You follow up. They say you “missed a deadline.” You ask for updates. They close the case, without refunding anything.

Under federal law, they can’t do that. If they do, we hold them accountable.

What we do about it

By the time clients come to us, they’ve already tried the right way.

They filed a dispute. They sent the receipts. They waited.

And the bank told them: case closed. No refund. Nothing more we can do.

That’s where we come in.
We don’t help banks investigate. We sue them when they don’t.

Banks break the law when they don’t investigate, miss deadlines, ignore proof, and denied claims without reason. If they break the law, they could owe you statutory damages, actual losses, and attorneys’ fees.