Is this legal advice?

No — ComplainAI is a letter writing tool. We generate templates based on the relevant consumer protection laws for your jurisdiction. We are not lawyers and this is not legal advice.

Does it work in Canada?

Yes — we cover all provinces and territories with their specific consumer protection laws, from the Ontario Consumer Protection Act to the BC Business Practices and Consumer Protection Act.

What if the company ignores it?

You can escalate with our "Final Warning" tone which references small claims court options, regulatory agencies, and ombudsman offices specific to your jurisdiction.

How is this different from ChatGPT?

We know exactly which laws apply to your situation, province/state, and complaint category. ChatGPT gives generic advice. Our letters cite the specific consumer protection acts and regulatory bodies for your jurisdiction.

How to Dispute an Unauthorized or Surprise Travel Charge

Surprise membership renewals, fees you never agreed to, and double charges are common across airlines, hotels, OTAs, and travel apps. You can demand a reversal in writing — and where the company won't cooperate, your card issuer usually can.

Quick answer

Tell the company in writing that the charge was unauthorized, demand a reversal with a 14-day deadline, and ask for proof of your authorization. If none is provided or they refuse, dispute the charge with your card issuer and report it to your consumer-protection regulator.

What this problem means

An unauthorized charge is any amount taken without your clear agreement — an auto-renewed membership you cancelled, a fee never disclosed, a charge after you disputed it, or a duplicate. Companies must be able to show you agreed to the charge. If they can't, it should be reversed, and card networks specifically protect against unauthorized and 'not as described' charges.

What evidence to gather

The exact charge: date, amount, and merchant descriptor

Proof you cancelled or never agreed (screenshots, emails)

Your account and any order/booking reference

A record of when you first reported the charge

Any duplicate-charge or billing-error documentation

What to ask for

A full reversal of the unauthorized charge
Proof of the authorization they claim you gave
Cancellation of any unwanted recurring billing
Written confirmation of the resolution

Sample complaint wording

I dispute the charge of [amount] on [date] from [merchant]. I did not authorize it [because I cancelled / it was never disclosed / it is a duplicate]. Please reverse it within 14 days and provide proof of any authorization. Otherwise I will dispute it with my card issuer and report it to [regulator].

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When to escalate

If the company won't reverse it, file a credit-card chargeback for an unauthorized or not-as-described charge, report deceptive or unauthorized billing to your consumer-protection regulator or attorney general, and consider small claims court.

Frequently asked questions

What counts as an unauthorized charge?

Any charge you didn't clearly agree to — an auto-renewed subscription you cancelled, an undisclosed fee, a duplicate charge, or a charge after you disputed the transaction. The company should be able to prove you authorized it.

How do I reverse a charge the company won't refund?

File a chargeback with your card issuer for an unauthorized or 'not as described' charge. Submit your written complaint, proof of cancellation, and the merchant's response as evidence, and act within your card network's time limit.

How fast should I act?

Quickly — chargeback deadlines are typically measured from the transaction or expected delivery date. Report the charge in writing as soon as you spot it to preserve your rights.

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ComplainAI generates letter templates based on publicly available consumer-protection laws. This is not legal advice and we are not a law firm. For complex matters, consult a licensed attorney.