Auto-renewed into a subscription you cancelled?
Reg E and your network's reason code give you a documented basis to dispute.
When you revoke authorization in writing, federal rules let you dispute every charge that posts after that date — Reg E §1005.10(b) for debit, Reg Z §1026.13(a)(3) for credit. Most banks won't volunteer the reason code that fits (Visa 13.2 / MC 4841 / Amex C28). We draft the revocation letter to the merchant and the billing-error notice to your bank, in the format issuers can route. Whether your bank issues a chargeback is at its sole discretion.
Brand names above are mentioned solely to identify common categories of recurring-charge merchants in news coverage and consumer complaints. ClaimGap is not affiliated with, endorsed by, sponsored by, or in any business relationship with any of them. No statement on this page should be read as a claim about any specific company's practices. All trademarks are the property of their respective owners.
Already disputed with your bank?
We rewrite the dispute with the right reason code + Reg E/Z citation.
Banks generally do not re-open closed disputes. A properly-coded second submission with new evidence is procedurally distinct from the first, though the bank's decision remains discretionary. $19 one-time.
Start free preview →Haven't filed with your bank yet?
Try your bank's in-app dispute first. It's free and the standard first step.
Most card-issuer apps have a “dispute this charge” button that triggers a Reg E provisional credit within 10 business days. If that gets denied, come back here.
Show me how →Free first-step guide
How to file a chargeback through your bank's app — for free
- 1Cancel the subscription in writing first. Email or in-app cancellation, screenshot it. Reg E §1005.10(b) provides for revocation of preauthorized EFT, and a written revocation gives a documented basis for any subsequent dispute.
- 2Open your bank's mobile app. Find the charge → “Dispute this charge” or “Report a problem” (Chase, Amex, Citi, Capital One, BoA, Wells all have this).
- 3Read the categories carefully. Banks generally provide multiple categories — fraud, unauthorized use, cancelled subscription, etc. Each category has different evidence requirements, and miscategorization can give the merchant grounds for re-presentment. Match the category to your facts.
- 4Upload the cancellation screenshot. Date, time, confirmation if you have one.
- 5Wait 10 business days. Reg E gives the bank 10 business days to issue a provisional credit on debit; Reg Z §1026.13 gives 30 days on credit. If they deny — that's when you come back here.
If your bank denies the dispute — that's when our paid letter helps. We rewrite the submission with the correct network reason code and the Reg E/Z citation your bank's first form didn't collect.
ClaimGap does not contact your bank or the merchant. You send the letters. Your bank's chargeback decision is at its sole discretion.
The three mistakes that kill consumer chargebacks
- 1
Wrong reason code
Filing a "not-as-described" dispute for a fraud case (or vice versa) gives the merchant a free re-presentment. The correct code depends on network, card type, and scenario — we pick it deterministically from Visa core rules, Mastercard chargeback guide, Amex regs, and Discover network guidelines.
- 2
Missed window
Visa / Mastercard / Amex / Discover each publish their own submission windows — up to 120 days for most consumer scenarios — and Reg E (debit) / Reg Z (credit) layer a 60-day statutory window on top. We calculate from your statement date and tell you the exact deadline, so you never file a valid dispute a day late.
- 3
Narrative instead of evidence
Issuers want structured proof — tracking numbers, cancellation timestamps, communication logs — in the order their case system expects. We package it that way, with a cover letter that cites the reason code and the applicable network rule, so the bank's chargeback desk can route it without asking you to resubmit.
And when the bank or merchant replies
The dispute usually doesn't end with one filing.
When your bank denies the dispute, asks for more evidence, or the merchant fights representment — paste the response at /case/[id]/respond and we'll classify the move and recommend the next step. From there you can generate a follow-up letter in one click: accept-with-release, refined counter-offer, supervisor escalation, CFPB complaint, or formal demand for response. Your case dashboard at /case/[id] keeps the full timeline, and we'll send a quiet reminder at Day 21, 45, and 90 if you go silent — none of which fire if you've already logged a reply.
All included in your $19 flat fee. No subscription. You always send the letters yourself — we never contact your bank or the merchant for you.
ClaimGap is not a law firm. Our chargeback dispute package is informational; the outcome is determined by your issuing bank and the applicable card network rules. We do not represent you in the dispute.