Sources

The letters and the escalation guide are written in our own words from these public pages. Where a page states a rule (like the 60-day card window), the guide says so and links here.

• FTC consumer advice: Sample customer complaint letter
• FTC consumer advice: Sample letter disputing credit or debit card charges
• FTC consumer advice: Using credit cards and disputing charges
• Fair Credit Billing Act, 15 U.S.C. 1666: correction of billing errors (Cornell LII)
• Fair Credit Billing Act, 15 U.S.C. 1666i: claims about goods or services bought by credit card (Cornell LII)
• FTC consumer alert (February 2025): Have a problem with something you bought?
• National Association of Attorneys General: Find my AG
• Consumer Financial Protection Bureau: Submit a complaint
• FCC Consumer Complaint Center
• U.S. Department of Transportation: File an air travel consumer complaint
• FTC: ReportFraud.ftc.gov

Checked October 9, 2026. Government pages move. If a link no longer works, search its title on the agency's site.