AI Dispute Engine

Fair Credit Billing Act · Discover

Did a merchant refuse to deliver on your Discover card?

Generate a formal billing error notice to reverse the transaction.

You do not have to absorb the cost of a scam, unfulfilled agreement, or unauthorized / fraudulent charge. Under federal banking regulations, you have the right to challenge inaccurate or unfulfilled transactions directly through your card issuer. Use our software utility to generate an official Billing Error Notice that forces Discover's compliance department to investigate and credit your account.

Draft my billing dispute notice

Your consumer rights: the 60-day billing error rule

Merchants often provide fake documentation to fight automated app disputes. Here is the exact statutory leverage you hold when submitting a formal written notice to Discover.

Federal statute — Fair Credit Billing Act (15 U.S.C. § 1666)

Under the federal Fair Credit Billing Act, card issuers are required to acknowledge and investigate consumer billing errors, which explicitly include charges for goods or services not accepted or not delivered as agreed.

The strict 60-day window

To trigger your mandatory federal protections, your formal written notice must reach Discover within 60 days after the first statement containing the billing error was mailed to you.

Why this charge is disputable — Unauthorized / Fraudulent Charge

The Fair Credit Billing Act caps consumer liability for unauthorized charges and explicitly classifies them as billing errors. You are not required to prove fraud — the burden is on the card issuer and merchant to prove the charge was authorized by you.

Remedy

Immediate reversal of all unauthorized charges, issuance of a new card number if needed, and written confirmation that no interest or fees will accrue on the disputed amounts.

Evidence to lock in your claim

List every unauthorized charge with date and amount, save any cancellation confirmation emails or screenshots, document your attempts to contact the merchant, and note whether the card was ever lost or stolen.

Crucial tactic: Submitting a dispute via the Discover mobile app is convenient, but it does not always trigger your formal protections under 15 U.S.C. § 1666. Sending a structured, printed dispute notice directly to Discover's dedicated Billing Error Address ensures your claim is handled by human compliance officers rather than automated filters. Discover Financial Services — Billing Inquiries: P.O. Box 30945, Salt Lake City, UT 84130-0945 (verify on your most recent statement).

How to reverse the transaction today

STEP 1
Input the transaction details
Tell our system the transaction date, the merchant name, the exact dollar amount, and a brief description of how the charge was a unauthorized / fraudulent charge.
STEP 2
Generate the formal claim
Our software formats a professional dispute notice structuring your facts to match the exact criteria required under the Fair Credit Billing Act.
STEP 3
Mail to billing compliance
Download your formal PDF notice. Print and mail it directly to Discover's billing error processing facility to start the mandatory regulatory countdown.
Choose a different dispute

Consumer

Credit Card Chargeback

Question 1 of 911%

The person, company, or agency this letter is addressed to.

✓ Cites Fair Credit Billing Act § 1666 timelines

  • 256-bit Encryption
  • Bank-Level Privacy
  • No Monthly Subscription

Live preview — updates as you type

June 1, 2026

[recipient name]
[recipient address]

Re: Billing Error / Chargeback Under 15 U.S.C. § 1666 (Fair Credit Billing Act)

Dear Dispute Resolution:

I am formally disputing the following charge on my account as a billing error under the Fair Credit Billing Act:

Merchant: [merchant name]
Date: [charge date]
Amount: $[charge amount]

Facts:
[facts]

Requested resolution:
[desired outcome]

Pursuant to 15 U.S.C. § 1666, please acknowledge this dispute within thirty (30) days and resolve it within ninety (90) days. During the investigation, please do not assess interest or fees on the disputed amount.

Sincerely,

[user full name]
[user address]
Unlock full draft — $14.99

Other Discover chargeback reasons

Unauthorized / Fraudulent Charge disputes at other banks

Browse all chargeback dispute templates