Everything you need to know about billing disputes and how DisputeAI works.
DisputeAI is an AI-powered platform that generates professional legal demand letters for billing disputes. Every letter automatically cites relevant federal and state laws like the FCBA, EFTA, FTC Act, and your state's consumer protection statute.
A single letter costs $4.99. A 3-letter pack is $9.99. Pro Monthly (unlimited letters) is $19/month. Pro Annual is $149/year — saving $79 compared to monthly.
DisputeAI handles 8+ dispute types: unauthorized charges, subscription cancellations, overcharges, medical billing disputes, insurance claim denials, service not rendered, debt collection disputes, and general billing errors.
DisputeAI letters are demand letters, not lawsuits. They cite specific federal and state laws to put companies on legal notice. Demand letters are the standard first step in consumer disputes and are highly effective because they show you know your rights.
The FCBA (15 USC § 1666) protects credit card users. You can dispute billing errors within 60 days. The creditor must acknowledge within 30 days and resolve within 90 days. During investigation, they can't report the amount as delinquent.
As of 2024, the FTC requires sellers to make cancellation as easy as signing up. If a company makes it hard to cancel a subscription, they're violating this rule. DisputeAI cites this in every subscription dispute letter.
Go to consumerfinance.gov/complaint. The CFPB handles complaints against banks, credit card companies, and financial services. Most companies respond within 15 days. DisputeAI can generate the escalation letter you need.
A chargeback reverses a credit card charge through your card issuer. You file it when a merchant won't resolve a billing dispute. Your card issuer investigates and can reverse the charge. DisputeAI generates chargeback request letters.
Yes. The No Surprises Act protects against surprise out-of-network bills. Balance billing protections limit what you can be charged. DisputeAI generates medical billing dispute letters citing these specific laws.
DisputeAI has a 5-level escalation engine: Initial Demand → Follow-Up → Final Notice → CFPB/AG Complaint → Chargeback Request. Each level increases legal pressure.
For most billing disputes under $5,000, a demand letter citing the right laws is sufficient. DisputeAI is 60x cheaper than a lawyer. You only need a lawyer for complex cases requiring court representation.
DisputeAI generates your letter in 60 seconds. Companies are legally required to respond within 30 days (FCBA) or 10 business days (EFTA). Most disputes resolve within 2-4 weeks.
The Fair Debt Collection Practices Act (15 USC § 1692) regulates debt collectors. They must validate debts within 5 days, stop collection during validation, and cannot use deceptive practices. DisputeAI generates FDCPA dispute letters.
The 60-day FCBA deadline applies to credit card billing errors. But state consumer protection laws, the FTC Act, and other federal laws have longer timeframes. DisputeAI selects the best legal basis for your situation.
Yes. DisputeAI automatically cites your state's specific consumer protection statute (UDAP) alongside federal laws. We cover all 50 states plus DC.