Everyday Admin
They made it impossible to cancel. Now make it impossible to ignore.
Unauthorized charges, impossible cancellations, and billing traps are among the most common consumer complaints in the country. Handled helps you write a dispute that demands a response.
Start your dispute — it's free→No commitment required · Results in minutes · Communication assistance only — not legal advice
40%
Of all credit card disputes involve cancelled subscriptions or recurring charges
$9.8B
In credit card charges disputed by consumers in 2024 alone
Most
Companies resolve billing disputes quickly once they receive a formal written demand
The problem
These companies design frustration on purpose.
The cancellation button that leads to five more screens. The membership that keeps charging after you cancelled. The airline that offers a credit instead of the refund you're legally entitled to. The gym that ignores your certified letter. These aren't accidents — they're business models built on the assumption that most people will give up.
A formal written dispute changes the math. It creates a paper trail, signals that you know your rights under the FTC's negative option rules and your state's consumer protection laws, and puts the company on notice that ignoring you has consequences.
Common scenarios
If any of these sound familiar, Handled can help.
Handled covers the full range of subscription and billing disputes.
Charged after cancellation
You cancelled. They kept charging. A formal demand triggers the refund most companies avoid volunteering.
Gym or membership trap
Cancellation policies designed to make you give up. Handled drafts the letter that cuts through the runaround.
Airline refund dispute
Federal rules require cash refunds for cancelled or significantly delayed flights — not vouchers. Handled helps you claim what you're owed.
Unauthorized recurring charge
A charge you never agreed to or a free trial that converted without clear notice — both are grounds for a formal dispute.
Hotel or travel refund
Booking platform disputes, hotel overcharges, and vacation package refusals — Handled knows the leverage points.
SaaS or software billing
Auto-renewals, pricing changes without notice, and accounts billed after cancellation are all common — and all disputable.
How it works
From frustrated customer to formal dispute in minutes.
01
Describe what happened
Tell Handled the company, the charge, when it happened, and what response you've received so far. Plain language, no legal knowledge required.
02
Handled identifies your leverage
Handled determines which consumer protection rules apply — FTC negative option regulations, your state's auto-renewal laws, DOT refund rules for airlines — and builds your dispute around them.
03
Send your dispute and escalate if needed
Send directly to the company. If they ignore it, Handled tells you exactly how to escalate — to your credit card company, the FTC, or your state attorney general.
From a Handled user
“I cancelled my gym membership in person and they kept charging me for three more months anyway. Handled helped me write a dispute letter that cited the FTC's Negative Option Rule and California's auto-renewal law. I had a full refund of $149.97 within 5 days — no argument, no runaround.”
Handled user — California
Sample output
RE: DEMAND FOR REFUND — Unauthorized Charges Following Cancellation
Dear FitLife Gym Member Services,
This letter is formal written notice that I am disputing three unauthorized charges of $49.99 each — totaling $149.97 — billed to my credit card on January 15, February 15, and March 15, 2026, following my cancellation of membership account #FL-2024-88341 on December 28, 2025.
I cancelled my membership in person at the Riverside location on December 28, 2025, and received verbal confirmation from staff. Despite this cancellation, charges have continued. Under the FTC's Negative Option Rule and California's Automatic Renewal Law (Business and Professions Code Section 17600), continued billing after a confirmed cancellation constitutes an unauthorized charge subject to immediate refund.
I demand a full refund of $149.97 within ten (10) days of receipt of this letter — by March 26, 2026...
FTC rule citedState law referencedSpecific refund amountCredit card escalation outlined
Regulation-backed dispute
Cites the specific FTC rules, state auto-renewal laws, or DOT regulations that apply to your situation.
Clear refund demand
Specific dollar amount, specific deadline, specific consequences — no ambiguity for the company to hide behind.
Escalation roadmap
Credit card chargeback, FTC complaint, state AG complaint — you'll know exactly where to go if they don't respond.
Handled Pro — $6.99/month
For people who deal with billing issues more than once. Track every dispute, every response, and every escalation.
+Unlimited interactions — no monthly cap
+Persistent case history — every dispute letter saved
+Profile memory — your details auto-populate every letter
+Situation tracking — monitor open disputes and deadlines
They counted on you giving up.
Prove them wrong.
Handled gives you the dispute letter, the regulatory grounding, and the next step — so the company understands ignoring you isn't an option.
Start your dispute — it's free→5 free interactions per month · No credit card required
Handled provides communication assistance only. Nothing on this platform constitutes legal advice. For matters involving legal proceedings, consult a qualified attorney.
© 2026 Handled · gethandled.net