I want to dispute a charge on my card or account. Draft me a clear, firm dispute letter that maximizes the chance of a refund.
BANK / CARD ISSUER: {bank_name}
CARD / ACCOUNT NUMBER (last 4): {xxxx}
DISPUTE TYPE: {unauthorized_charge / not_as_described / didn't_receive / duplicate / canceled_subscription / billing_error}
MERCHANT: {merchant_name + city}
DATE + AMOUNT: {date + amount}
WHAT YOU EXPECTED vs WHAT HAPPENED: {brief_facts}
WHAT YOU'VE ALREADY DONE: {contacted_merchant_when / no_response / refused}
EVIDENCE YOU HAVE: {receipts / screenshots / emails / shipping_proof / cancellation_confirmation}
RULES:
- US: cite Fair Credit Billing Act (60 days from statement) for credit cards or Regulation E for debit/ACH.
- Other countries: equivalent consumer protection regulation if known.
- Header: account number, dispute date, amount in dispute.
- Tone: firm and factual. No anger, no exclamation points.
- Chronology: date you bought, date you noticed, date you contacted merchant, merchant's response.
- Explicit ask: 'I am requesting a chargeback for $X.'
- Attached evidence list.
- Cite your right to a provisional credit during investigation.
- Sign + contact info.
Give me 1 follow-up paragraph for if the bank closes the dispute in the merchant's favor — what to do next.0 copies·0 saves·1 views
200 words·1,291 chars
Sample output
Subject: Dispute of Unauthorized Charge — Account ending in 4521 — $189.00 — Merchant: "FitLife Premium"
To: Disputes Department, Chase Sapphire Visa Date: October 21, 2025
I am formally disputing a charge on my account ending in 4521 under the Fair Credit Billing Act (15 U.S.C. § 1666), within the 60-day window.
Charge details:
Reason for dispute: subscription cancellation not honored.
Chronology:
Parameters
Text generation parameters
FAQ
Initiate the dispute in your bank's app first (most large banks: 5 clicks). Then upload this letter as the 'supporting documentation' attachment. Twin-channel = faster resolution. The prompt targets ChatGPT (GPT-4) and lives in the Personal & Career category on mycopyprompt.
This prompt is written for ChatGPT (GPT-4). It's a text/chat prompt — paste it into ChatGPT (GPT-4) (or compatible LLMs like Claude or GPT-4) to get the expected output.
1. Click the Copy button on this page to copy the full prompt. 2. Open ChatGPT (GPT-4). 3. Paste the prompt into a new conversation. 4. Replace any {placeholders} with your specifics, then send. Most prompts produce the right output on the first try; complex ones may need 1-2 iterations.
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See the "Sample output" panel above — that's a real example of what ChatGPT (GPT-4) returns when this prompt runs. Your output will vary in wording but should follow the same structure and depth.
Similar prompts
Matched against every prompt in the catalog by title.
Documents attached:
My request: Issue a chargeback in the amount of $189.00 for the September 30, 2025 charge. Per Regulation Z, I request a provisional credit during your investigation.
I can be reached at +1-415-555-0142 / devon@example.com.
Thank you, Devon Park
If the dispute is denied: Ask for the merchant's written rebuttal in full (you're entitled to it). Reply within 10 days with a second-stage dispute referencing any factual errors or missing evidence in their response. If still denied, file a complaint with the Consumer Financial Protection Bureau (consumerfinance.gov) — banks resolve CFPB-flagged cases at ~3x the normal rate.