Disputes & Fees

Dispute wrong charges, get bank fees waived and write firm, factual complaint letters.

What do these labels mean?
  • Free No cost at all.
  • Free option available Paid upgrades exist, but the free version works for this.
  • Costs money You pay a set price or subscription.
  • Takes a cut of savings Charges a percentage of what it saves you.
  • Time · Difficulty Our estimates for a typical first try, not guarantees.
  • Reported What the linked source says happened, often self-reported. Your results will vary.

ReportedDispute approved, money back in 5 days

Win a credit or debit card dispute with an AI-structured case

Use AI to organize evidence, use the right terms and write a dispute that card issuers can approve quickly.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

Reported$50 fee refunded in under 5 min

Get a bank fee waived with a 30-second AI script

Ask AI for a short, friendly goodwill script for overdraft, wire, ATM, late or minimum-balance fees, then call.

5–10 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

Reported₹35,000 deposit returned within days

Get your security deposit back with an AI-drafted demand letter

If your landlord is silent or keeps unfair deductions, a calm, specific demand letter that cites your local deposit rules often gets results.

30–60 min (estimated time)Medium difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

Didn't workHonest result: £90 penalty upheld despite an AI letter

Appeal a parking ticket or penalty charge (and know when it won't work)

AI can draft a clear appeal based on the facts and the rules printed on the notice, but a well-written letter isn't enough without valid grounds.

15–20 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Dispute errors on your credit report with AI-organized evidence

Pull your free reports, have AI help spot inaccuracies, and send clear, individual disputes to the credit bureaus and the company that reported it.

1–2 hrs (estimated time)Medium difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Ask a debt collector to prove a debt with a validation letter

If a collector contacts you about a debt you don't recognize, a written dispute within 30 days makes them verify it before collecting.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Dispute hidden 'resort' or ticket fees that weren't in the advertised price

Since May 2025, an FTC rule requires hotels, vacation rentals and live-event ticket sellers to show the total price upfront.

15–20 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

File a CFPB complaint when a bank or card company won't fix a problem

If a bank, lender, card issuer or collector won't resolve an issue, a clear CFPB complaint gets it in front of the company's escalation team.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Report an unauthorized debit or bank transfer fast, and in writing

For unauthorized electronic transfers, how quickly you report affects how much you can lose. AI can help you report clearly and on time.

15 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Get a warranty repair, replacement or refund with an AI-drafted claim

If a product fails during its warranty, a claim that quotes the warranty terms and lays out the facts is harder to brush off.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Take your landlord to small claims court to get your deposit back

If a demand letter doesn't work, small claims court is built for disputes like this. AI can help you organize evidence and a short, clear statement for the judge.

2–4 hrs over a few weeks (estimated time)Involved difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

GuideSteps + prompt · no verified example yet

Document your move-out so your landlord can't keep your deposit

Photos, a pre-move-out inspection and a written forwarding address make deposit disputes much easier to win. AI can turn your lease into a move-out checklist.

30–60 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Disputes & Fees

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