LEGAL RELIEF TOOL // FAIR CREDIT BILLING ACT (15 U.S.C. § 1666)

Credit Card Chargeback & Dispute Notice Generator

When a fake guru or predatory course seller denies a refund, federal credit card regulations entitle consumers to reverse charges on grounds of deceptive inducement and failure of promised services.

1. Merchant / Guru Legal Entity Name *

2. Program or Course Title *

3. Date of Charge *

4. Amount Charged ($ USD) *

5. Card Issuer Bank *

6. Primary Deceptive Violation Ground *

[ ASSEMBLED FCBA § 1666 DISPUTE NOTICE ]✓ Validated for US Card Dispute Portals

[FORMAL BILLING ERROR & DISPUTE NOTICE PURSUANT TO THE FAIR CREDIT BILLING ACT, 15 U.S.C. § 1666]

DATE: September 28, 2026

TO: Billing Dispute Department
CARD ISSUER: Chase / J.P. Morgan

FROM: (Cardholder Name)
ACCOUNT NUMBER: (Last 4 Digits of Card: XXXX)
TRANSACTION REFERENCE:
- Merchant Name / Entity: [Merchant Name]
- Service / Course Description: [Course / Mastermind Name]
- Transaction Date: [Transaction Date]
- Disputed Amount: $[Amount Charged] USD

SUBJECT: Formal Notice of Billing Dispute & Chargeback Request – Failure to Deliver Services as Represented / Deceptive Inducement

Dear Billing Dispute Specialist,

I am writing pursuant to my federal rights under the Fair Credit Billing Act (FCBA), 15 U.S.C. § 1666, to dispute the above-referenced charge of $[Amount] posted on [Date] by [Merchant Name].

1. BASIS OF DISPUTE:
The merchant induced this transaction through material false representations regarding guaranteed income outcomes, violating the Federal Trade Commission (FTC) Income Claims Rule (16 CFR Part 461) and FTC Act Section 5 (15 U.S.C. § 45). Specific violation category:
- Deceptive Income Claims & Material Misrepresentation (FTC 16 CFR § 461)

2. FAILURE OF CONSIDERATION & REFUSAL OF REMEDY:
The actual curriculum provided consists of generic, publicly available open-source materials that bear no resemblance to the automated, turn-key business system promised during sales webinars. 
Upon identifying these material misrepresentations, I formally requested a refund within standard commercial timeframes. The merchant unilaterally refused recourse, citing an unconscionable "action-based refund barrier" designed to frustrate consumer cancellation rights.

3. STATUTORY DEMAND:
Under 15 U.S.C. § 1666, the card issuer is required to acknowledge this dispute within 30 days, investigate the merchant's compliance with advertising truthfulness laws, and maintain a provisional credit pending resolution.

Please initiate an immediate chargeback dispute for $[Amount] and confirm receipt of this notice in writing.

Sincerely,

(Cardholder Signature)
(Cardholder Printed Name)
(Contact Telephone & Email)