Dispute Recovery Toolkit: Documentation Framework for Unauthorized Charges
In Short
If you are disputing an unfamiliar or unauthorized charge on your bank or credit card statement, the outcome often depends less on what happened — and more on how clearly your case is documented.
Who This Is For
- You noticed a recurring charge you do not recognize
- A subscription continued after cancellation
- A trial converted into a paid plan unexpectedly
- You attempted to contact the merchant but received no response
- You want to prepare documentation before contacting your bank
Why Many Disputes Are Denied
- The cancellation attempt was not documented
- Merchant communication was not recorded
- Transaction history lacks context
- The enrollment method is unclear
- Screenshots or confirmations are missing
What This Toolkit Includes
- Dispute Timeline Builder
- Merchant Contact Log
- Descriptor Identification Worksheet
- Cancellation Confirmation Tracker
- Evidence Packaging Guide
How This Can Help During a Dispute
Presenting a structured documentation set may help clarify your claim timeline, demonstrate cancellation attempts, and reduce ambiguity during bank evaluation.
Important Note
This toolkit does not guarantee dispute approval and does not replace your bank's official claim process.
Before preparing a dispute, you may want to review our Unauthorized Charges Complete Guide for a step-by-step overview of the bank dispute process.