Contact us if:
- You disputed a charge and the bank denied it without a real investigation
- Your debit card was used without authorization and the bank kept you on the hook
- A merchant charged you twice, charged the wrong amount, or kept charging after you cancelled
- You returned the item and the merchant refused the refund
- The product never arrived, or arrived broken, and the seller ghosted you
- A subscription auto-renewed after you cancelled and nobody will reverse it
The federal billing-error toolkit
Truth in Lending Act (credit cards)
Caps your liability for unauthorized charges and forces card issuers to investigate billing errors in good faith.
Electronic Fund Transfer Act / Reg E (debit cards)
Limits debit fraud liability and requires banks to provisionally credit disputed transfers within 10 business days.
State consumer protection statutes
Many states add treble damages and attorney's fees on top — especially against deceptive merchants.
Fair Credit Billing Act
Covers defective items, goods not delivered, and disputed credit card charges.
Chargeback & billing-dispute guides
Bank denied your dispute? Here's your next move
A denial isn't the end of the road. Most denials are exactly when a real legal claim against the bank begins.
Read Unauthorized ChargesMy bank won't refund an unauthorized charge — what to do
EFTA and Regulation E often force the bank to give your money back. Here's how to make it happen.
Read Disputed ChargesHow long does a bank have to investigate a dispute?
The exact federal deadlines for credit-card and debit-card disputes — and what happens when the bank blows past them.
Read Disputed ChargesHow to dispute a credit card charge — and what to do when the bank says no
Filing a billing-error dispute the right way — and the federal law that kicks in when the bank rubber-stamps a denial.
Read Refund DisputesMerchant refused your refund? Your legal options
When stores and online sellers stonewall a refund, state and federal laws give you teeth — including treble damages in many states.
ReadCommon questions
The bank already denied my dispute. Is it too late?
No. A wrongful denial is often when the legal claim actually starts. You may have a claim even if your dispute was denied disputes months, even years, before you lawyer up.
Was it a credit card or debit card?
It matters. Credit cards fall under TILA/Reg Z; debit cards fall under EFTA/Reg E. The deadlines and protections differ. We handle both.
What if a merchant won't refund me?
We may be able pursue the merchant directly under state consumer-protection laws — some of which award treble damages and fees. We are licensed in New York, New Jersey, and Maryland, with colleagues across the country.
How small is too small to sue?
Statutory damages and fee-shifting mean we can pursue cases that would be uneconomic on the dollar amount alone. Tell us what happened.