Your credit card statement shows a charge you did not make, the wrong amount, or something you paid for but never received. You can dispute it with your card issuer. The Fair Credit Billing Act protects you only if your written notice reaches the issuer in time. Your AI app writes the notice with you. We print it and mail it in your name by USPS Certified Mail with return receipt.
Why a letter, not e-mail
- A written notice, received within 60 days. The notice must reach the issuer at its billing-error address no later than 60 days after it sent the first statement with the error (12 CFR 1026.13(b)). A USPS delivery record shows when it arrived.
- E-mail counts only if the issuer says so. An electronic notice counts as written only when the issuer's billing rights statement says it accepts one, and how (official interpretation, comment 13(b)-2). The CFPB says: "To protect your rights you must also send a written billing error notice" (CFPB).
- The FTC recommends certified mail with a return receipt, sent to the address for billing inquiries, not the payment address (FTC).
Example to copy
My credit card statement of [date] shows a charge of [amount] from [merchant] on [date] that is wrong because [reason]. Write a billing error notice to my card issuer's billing-error address from the statement, with my name and account number. Then mail it by Certified Mail.
Your AI asks for the issuer's address, your name, the account number and the charge. It writes the letter with you.
Good to know
- Use the billing-error address. Your statement names it, often under "billing rights". It is usually not the payment address.
- The issuer has deadlines too. It must acknowledge your notice within 30 days and resolve it within two billing cycles, at most 90 days.
- While the dispute is open, you need not pay the disputed amount, and the issuer may not call it delinquent for that reason. Pay the rest of your bill as usual.
- This is your own dispute about a charge on your bill. We do not offer debt relief, debt settlement or credit repair.
FAQ
Does the letter prove what I wrote?
No. USPS records the delivery and the signature, not the content. Keep the PDF preview as your copy of the letter.
Do I get the green return receipt card?
You get the tracking number and the USPS tracking link, which shows the delivery. We cannot get the signed return receipt for you yet.
Should I also call my card issuer?
The CFPB suggests calling right away. To protect your rights, also send the written notice within 60 days.
Can I send it from outside the United States?
No. USPS accepts only a US return address, so the sender must be in the United States.
Sources
Checked on 17 October 2026.
- Fair Credit Billing Act, 15 U.S.C. § 1666
- Regulation Z, 12 CFR 1026.13 and its official interpretation (comment 13(b)-2, electronic notices)
- CFPB: How do I dispute a charge on my credit card bill? (reviewed 15 April 2024)
- FTC: Using Credit Cards and Disputing Charges
Use it with Claude, ChatGPT, Grok or Mistral Vibe
Before the launch, only invited testers can create an account. Everyone else can join the waitlist.
Add Agent Letter Desk to your AI app once, with this server URL: https://agentletterdesk.com/mcp
- Claude (claude.ai, desktop and mobile): Add to Claude opens Claude with the name and the URL filled in. Select Add, then Connect. Sign in and allow access. In a chat, select + › Connectors and turn on Agent Letter Desk. By hand: Customize › Connectors › + Add › Add custom connector, then paste the URL.
- ChatGPT (chatgpt.com): copy the URL and open ChatGPT. Plugins › Add › Add custom MCP server. Paste the URL, choose OAuth, sign in and allow access. Worked on the Free plan when we checked (13 October 2026). OpenAI decides which plans can add one.
- Grok (grok.com): copy the URL and open Grok's connectors. New connector › Custom. Enter a name and paste the URL. Sign in and allow access in the window that opens. In a chat, type @ and pick Agent Letter Desk (Grok uses a connector only when you select it).
- Mistral Vibe (chat.mistral.ai, formerly Le Chat): copy the URL and open Mistral Vibe's connectors. + Add Connector › Custom MCP Connector. Enter a name without spaces, such as AgentLetterDesk, and paste the URL. Sign in and allow access. In a chat, select + › Connectors › Agent Letter Desk (without this step, Mistral Vibe may write the letter itself). Works on the free plan.
You sign in with your e-mail address or your Google account. Then ask your AI for the letter. You check the preview and the price. Nothing goes out without your yes.
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