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They Charged Me 163 Times.
Then Refused to Refund Me.

So I stopped asking nicely. I used federal law, went through my bank, and made sure they couldn't ignore it. You can do the same — and this tool does it in 60 seconds.

163 Charges in One Case
$2,500 They Owe Me
4 Documents Generated Free
Generate My Claim Documents — Free

🔒 Nothing you enter is stored, sent, or tracked. Everything runs in your browser only.

🎩 It Started With One Suspicious Charge.

I'm a software architect who works with AI every day. I noticed my card was being hit repeatedly by an AI company for amounts I never approved. When I dug into my bank statements, I found 163 separate charges going back to December. Total: $2,500.

I contacted them. They acknowledged a "technical error" — then refused to refund me.

Then something strange happened. I asked their own AI to help me understand the charges. It told me plainly: I had been overcharged and was entitled to a refund. Their own product confirmed what their billing department was denying.

So I stopped writing to them. I called my bank, used the right language — Regulation E, unauthorized electronic fund transfers — and filed a fraud claim instead of a billing dispute. The claim is in. The fight is on.

Then I started hearing from other people with the same experience. With multiple AI companies. This isn't rare — it's a pattern. And most people don't know they have a weapon.

So I built this. Enter your information below and get the exact documents I used — customized for your situation, instantly, for free. They don't get to keep your money just because they made it complicated.

— Mark G., Oakland CA | AI Architect & Founder

Watch Before You File

▶ Warning Video — Coming Soon
▶ How to Get Your Money Back — Coming Soon

How to Get Your Money Back

Four steps. Takes about 30 minutes. Works.

01

Pull Your Statements

Download 12 months of bank or credit card statements. Count the charges and total the amount.

02

Generate Your Documents

Fill out the form below. Get your dispute email, bank script, CFPB complaint, and state AG complaint instantly.

03

Call Your Bank First

Use the bank script. Say "fraud" and "Regulation E." File as unauthorized transactions — not a billing dispute.

04

File the Complaints

Submit to CFPB and your state AG. This creates a paper trail that forces the company to respond.

🎩 Claim Generator

Fill in your details. Get 4 customized legal documents instantly — free, no signup required.

✓ Your Documents Are Ready

Copy or download each document below. Start with the Bank Script — call your bank first.


        

          
          
        

      


      

        

        

          
          
        

      


      

        

        

          
          
        

      


      

        

        

          
          
        

      

    

  







  

    
Frequently Asked Questions


    

      
Will this actually work? ›

      
Yes — if you follow the steps. The key is using the right legal language with your bank. Filing as "fraud / unauthorized transactions under Regulation E" triggers your bank's federal legal obligation to investigate. Filing as a "billing dispute" gives the merchant more room to fight back. The documents here use the right framing.

    


    

      
What is Regulation E? ›

      
Regulation E is a federal consumer protection law (Electronic Fund Transfer Act) that governs unauthorized electronic fund transfers. When you tell your bank you're filing a Regulation E claim for unauthorized transactions, they are legally required to investigate and provisionally credit your account while they do so. This is much stronger protection than a standard billing dispute.

    


    

      
What if the AI company says I "used" the credits? ›

      
This is the argument they'll make — that credits were technically consumed on the platform. Your response: even if consumption occurred, the underlying payment transactions were unauthorized. You did not authorize each individual charge, the volume of charges, or the total amount billed. Under Regulation E, unauthorized means you did not specifically authorize the transaction, regardless of what the merchant claims happened on their end.

    


    

      
How far back can I dispute charges? ›

      
For credit cards, the Fair Credit Billing Act gives you 60 days from the statement date for a billing dispute. However, fraud claims under Regulation E have different timelines. In practice, banks — especially for patterns of unauthorized charges — often investigate much further back. One person's bank investigated 163 charges going back to December. Always ask the bank to look at the full history.

    


    

      
Why file with CFPB and the state AG? ›

      
These filings create official records and put companies on notice. CFPB forwards your complaint to the company and requires a formal response. State AG offices can investigate patterns of consumer fraud. These filings signal that you are serious and aware of your rights — which often accelerates company responses. They also contribute to the public record that can trigger broader enforcement action.

    


    

      
Should I contact the AI company first? ›

      
You can — and it's documented here as your first step (the dispute email). But don't wait for them to respond before calling your bank. Companies often delay, deny, or offer partial refunds. File the dispute email and call your bank on the same day. Your bank claim operates independently of whether the company cooperates.

    


    

      
You said their own AI confirmed you were overcharged — is that real? ›

      
Yes. After discovering the charges, I asked the AI company's own product to help me analyze the billing. It confirmed that the pattern of charges was inconsistent with normal usage and that I was entitled to a refund. The same company whose billing department refused to refund me had built an AI that told me I had been overcharged. That's when I knew the problem wasn't a misunderstanding — it was a policy.

    


    

      
Is this site affiliated with any AI company? ›

      
No. This is an independent consumer resource. The documents generated here are based on publicly available consumer protection law. This is not legal advice — it's information and tools to help you assert rights that already exist under federal and state law.

    

  







  
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