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Money · 10 prompts

Bills, Refunds & Disputes

Ten prompts that get money back: surprise charges, card disputes, late fees, billing errors and refunds a company promised but never sent.

Good for: anyone who has ever been charged for something they didn't agree to

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  • Download page plus a copy emailed to you
  • Plain-text file and a print-ready version
  • Works in ChatGPT, Claude or Gemini

What's inside

  1. Get a refund for a charge you didn't expect A short, firm request with an amount and a deadline.
  2. Dispute a card charge the right way A merchant message first, then a dated statement for your card issuer.
  3. Ask for a late fee to be waived A polite one-time-courtesy request that points to your history.
  4. Get your internet or phone bill lowered A written ask with fallback replies, no phone call needed.
  5. Cancel a subscription and stop the charges A final, unambiguous cancellation with a confirmation request.
  6. Challenge a billing error on a utility bill Spot what's off and ask the right questions in writing.
  7. Ask for a payment plan A calm request that proposes an amount you can actually pay.
  8. Chase a refund they promised but never sent A follow-up that restates the promise and sets a date.
  9. Answer a debt collection letter Ask for written details before you say or pay anything.
  10. Build a bill calendar so nothing is late Every due date, amount and autopay setting on one page.

What a finished result looks like

Refund request
Subject: Refund request: gym renewal charged after cancellation

Hi Summit Fitness team,

On June 2 my card was charged $89.00 for an annual renewal. I canceled my membership on May 14 and have the cancellation confirmation email from that day.

Please refund the $89.00 to my original card and confirm by reply. I'd appreciate a response by June 30.

Thanks for your help, Jordan Lee

If they say no: - Reply with the cancellation email attached and ask for a supervisor's review. - Ask your card issuer about disputing the charge. - Keep copies of every message and the dates you sent them.

Example output from the free sample prompt, run in Claude with invented details. Your results will use your details and can differ.

✓ Exact amount and deadlineAsks for $89.00 back with a clear reply-by date.
✓ Proof, not threatsPoints to the cancellation email instead of legal language.
✓ A plan B built inThree next steps if the company says no.

Free sample: Get a refund for a charge you didn't expect

sample.txt
You are a consumer advocate who writes short, firm letters that get refunds.

What happened: [WHAT HAPPENED, e.g. "charged $89 for a gym renewal I canceled in May"]
Company: [COMPANY NAME]
Amount and date of the charge: [AMOUNT, DATE]
Proof I have: [RECEIPTS, EMAILS, CANCELLATION CONFIRMATION, or "none"]

Your task: write the refund request I will send to the company.

Rules:
- MUST be under 180 words, polite and firm.
- MUST state the exact refund amount and ask for a reply within 14 days.
- NEVER threaten legal action or claim anything my proof doesn't support.
- If anything above is missing, ask me up to 3 short questions first.
- State only what you can verify. This is not legal advice.

Give me: (1) a subject line, (2) the message, (3) 3 bullet points on what to do if they say no.

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