What steps should I take if a merchant refuses to issue a refund and I need to file a formal billing dispute with my bank?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What steps should I take if a merchant refuses to issue a refund and I need to file a formal billing dispute with my bank?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB credit card billing error dispute 60 days written notice 12 CFR 1026.13 official Google ↗
FTC dispute credit card charge merchant refund debit card protections official Google ↗
- How do I dispute a charge on my credit card bill? · consumerfinance.gov
- § 1026.13 Billing error resolution. · consumerfinance.gov
- Using Credit Cards and Disputing Charges · consumer.ftc.gov
- CFPB Consumer Complaint Portal · consumerfinance.gov
- HelpWithMyBank.gov · helpwithmybank.gov
- What To Do if You’re Billed for Things You Never Got, or You Get Unordered Products · consumer.ftc.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB credit card billing error dispute 60 days written notice 12 CFR 1026.13 official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FTC dispute credit card charge merchant refund debit card protections official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |