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Unauthorized charges the investigation refused, fees reversed and then reapplied, money pulled from an account that was never part of it. Tell Eleanor what happened, about six minutes, and walk out with a demand letter built for your state.
Eleanor totaled the $1,940 still unrecovered for your demand letter.
These are the patterns that bring people to small claims against a company this size. If one of them is your story, you are in the right place.
Yes. Banks are corporate defendants like any other. What differs is that federal law usually runs first: the Electronic Fund Transfer Act and Regulation E for unauthorized electronic transfers, and the Fair Credit Billing Act for card billing errors, both triggered by written notice inside a short window measured from the statement date. The disputes people bring are fraud claims closed against them, fees reversed then reapplied, and provisional credits taken back. Keep the written dispute, its date, and the case number.
You reported them in writing and the claim was refused.
A debit against an account that was never part of it.
A credit posted and then quietly came back off.
Credit given during the investigation and later reversed.
Funds frozen well past anything you were told.
A duplicate posted and the ticket closed.
A bank dispute has two tracks that most people never learn about until it is late. Federal law gives you a written dispute right with a short deadline. Court is the second track, and the first one usually builds the record for it.
Squabble is not a law firm and does not tell you which federal rule reaches your transaction or whether a deadline has passed. This is general information. Read your account agreement and check the notice windows on your statement.
You do not need a contract signed in ink. Ordinary records carry most consumer claims. The specifics live on your state guide.
The transaction line itself: the amount, the date, the merchant, and whether it posted as a card charge or an electronic transfer.
The deposit or cardholder agreement in effect at the time, including the fee schedule and the dispute procedure.
The gap between the two. Unauthorized charges the investigation refused, fees reversed and then reapplied, funds taken from the wrong account.
The written notice you sent, the date it was sent, the case number, and every answer you received.
A company answers a paper trail differently than it answers a support ticket. This is the file that makes a demand letter land.
Missing one of these does not close the door. Bring what exists, and note in writing what does not and why.
More consumer claims stall on this than on the facts. A company is not sued by its app name or its storefront sign. It is sued by the legal entity behind it, and that entity has to receive notice the way your state requires.
The registered business name of the party you actually transacted with, which is often a subsidiary rather than the brand on the receipt. It is identified during intake and confirmed against the state business registry before anything is filed.
Corporations appoint an agent in each state to receive court papers. Papers delivered anywhere else can be challenged. Squabble locates the current agent on file for your state at the time your claim is prepared.
Service of Process is formal notice delivered the way your court accepts, with proof filed back to the court. It is available with File Now and a Dedicated Case Agent for $88, or $128 if purchased later.
Squabble runs this lookup as part of preparing a claim. Doing it yourself first costs nothing and tells you early whether the party you have been dealing with is the party you would be suing.
Every state sets its own small claims limit, its own filing fee, and its own rules for serving a corporation. Open your state to see the numbers that apply to you.
One path, six steps. You tell the story once and Squabble carries it the rest of the way. You review and attest to everything before anything is filed.
You tell Eleanor what happened, in plain words. About six minutes.
Your demand letter, and any court papers, are prepared and Triple-Checked.
Squabble files with the right court, or hands you a file-ready packet.
The other side is formally notified, the way your court requires.
You walk in prepared, evidence organized, case in order.
You reach a resolution, by settlement or by judgment.
We would rather you walk in clear‑eyed. Squabble is not a law firm and does not give legal advice. Here is the honest scope.
Wherever you are right now, whether you just want them to respond or you are ready to file today, there is a level that fits. Upgrade anytime, without starting over.
Prepared from the facts you gave Eleanor. Download, sign, and send.
A dedicated agent prepares, files, and stays with your case the whole way: evidence, hearings, and every step through to Resolved.
Squabble Triple-Checks, prepares, and files your claim. Email notice included.
Court-ready documents you file yourself. A demand backed by the paperwork.
The written denial, the case number, and the dates are the record. What usually matters next is what you can show about where you were and what device was used, set against what the bank relied on.
A reversal of provisional credit is a decision point with a date attached, and it is one of the clearest things a court can look at. Keep the notice that granted it and the notice that pulled it.
Two statement lines, a credit and a debit of the same amount, tell that story without argument. Pull both statements and mark the dates.
Federal error-resolution windows are measured from the statement date and they are short, often sixty days. The deadline to file a lawsuit is a separate and longer clock.
Yes. Banks are corporate defendants like any other, named by legal business name and served through the agent for service in your state. What differs is that federal dispute rights usually run first and create the record.
It produces a written response from the institution, which is valuable, but it does not award money. People commonly file the complaint and pursue the claim in parallel.
Federal error-resolution windows are measured from the statement date and they are short, often sixty days. The deadline to file a lawsuit is a separate and longer clock. The short one governs the step it applies to.
Venue rules vary. The ordinary options include where you live, where the account was opened, or where the institution does business, and a national bank does business in most counties.
Not the company you need? See every company guide, or browse every kind of dispute.
Modern civil recourse
Small-claims court exists so ordinary people can be heard without a lawyer or a fortune. Over time it filled up with forms, deadlines, and procedure most were never shown, and too many quietly gave up what they were owed.
Squabble puts it back within reach. Tell Eleanor what happened, and your demand letter, court-ready paperwork, filing, and follow-through are prepared and moving. About six minutes, off your shoulders.
Free to start. Your Custom Demand Letter is free.
