Caira by Unwildered can help you draft a refund request that names the amount, evidence and remedy without overreaching.
Free Chargeback Letter For Services Not Provided
A template for disputing a card charge when the paid-for service never happened. Use this page when you need a practical written record for the exact account, charge, notice or company process in front of you.
If you are considering do not pay, first identify the charge, deadline and evidence that support your position.
Public complaint patterns are useful, but they are not proof that a company did anything wrong in your case. Public refund complaints often start with a promise, policy or support ticket that does not match the later refusal; the draft should make that mismatch easy to inspect.
Template
This free download is plain on purpose so you can copy and paste it into Microsoft Word or email. No login is needed. Add your names, dates, amounts, account references, and evidence.
Copy-and-paste template
[Your Name]
[Your Address]
[City, State ZIP]
[Email Address]
[Phone Number]
[Date]To: [Card Issuer Name] Billing Dispute Department
[Card Issuer Address or Portal, if known]Subject: Chargeback Request - Services Not Provided
Reference: [Last 4 digits of card] / [Transaction Date] / [Transaction Amount] / [Merchant Name or Descriptor]Dear [Card Issuer Billing Dispute Team],
I am writing to formally dispute a charge on my account for services that were not provided. The transaction in question is as follows:
- Merchant: [Merchant Name]
- Transaction Date: [MM/DD/YYYY]
- Amount: [$XX.XX]
- Description on Statement: [Merchant Descriptor]Facts of the Dispute:
On [date of purchase], I paid [Merchant Name] for [describe the service, e.g., "home cleaning service scheduled for MM/DD/YYYY"]. The service was never provided. I contacted the merchant on [date(s) of contact] via [method: phone, email, portal] to request fulfillment or a refund. Despite my efforts, the service has not been delivered, and I have not received a refund.Key Dates:
- [Date of purchase] - Service ordered and paid for
- [Date service was scheduled or expected] - Service not provided
- [Date(s) of contact] - Attempted to resolve with merchantPrevious Contact:
I have contacted [Merchant Name] on [date(s)] through [method(s)] and referenced [ticket number, if any]. The merchant's response was [summarize response, or state "no response received"].Evidence Attached:
- Copy of card statement showing the charge
- Receipt or confirmation of purchase
- Any written correspondence with the merchant (emails, chat logs, support tickets)
- Any cancellation or refund request submitted
- [Any other relevant evidence]Requested Resolution:
Please initiate a chargeback for the full amount of [$XX.XX] on the grounds that the service was not provided. I request written confirmation of the dispute status and any provisional or final credit applied to my account. If additional documentation is needed, please let me know.Please respond in writing by [date, typically 10 business days from today]. I request that all records related to this transaction and dispute be preserved.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
[Preferred Written Contact Method]
What People Commonly Complain About Online
travel and delivery disputes often start with a refund promise that is not followed by a clear payment date
rental-car disputes commonly involve damage, toll, fuel, cleaning or administrative charges raised after return
warranty disputes often become evidence disputes: what did the warranty cover, who inspected the product and what repair history exists
Example Scenarios
The company says the service not provided chargeback is outside policy, but the customer has a chat transcript promising a refund.
The merchant blames a third party; the customer uses the receipt, tracking and support ticket to show who took payment.
The customer considers chargeback, but first sends a final written request so the card issuer sees a documented attempt to resolve the issue.
For this specific service not provided chargeback issue, make the first example match your facts: who charged you, which account or document identifies the charge, what promise or term you rely on, and what outcome you want.
Specific Practical Note
Before sending, place the receipt or booking terms beside the refund request. The strongest version names the amount, the promise or policy you rely on, and the document that shows why refund, repair, replacement, or chargeback review fits.
What To Collect First
the policy, receipt or written promise that controls the service not provided chargeback dispute
the receipt, invoice, order page or policy number
the written refund, warranty, return, cancellation or service terms
photos, tracking records, repair notes, call logs or service tickets
the card statement or BNPL account record showing the charge
any prior promise to refund, repair, replace or investigate
Steps Before You Send
Separate the legal issue from the customer-service story: what was promised, what happened and what money is at stake.
Name the service not provided chargeback issue in one sentence so the reader can see the exact route you are using.
Ask for the specific outcome: refund, replacement, repair, credit reversal, fee waiver or written explanation.
Attach proof in a numbered list rather than sending a pile of screenshots.
Give a short response deadline and say how you will escalate if the evidence is ignored.
If using a chargeback, match your evidence to the card issuer's dispute reason.
Common Mistakes
threatening court before making one clear written demand
mixing several disputes into one confusing letter
forgetting to include order numbers, dates and amounts
waiting until card-dispute windows have passed
How Caira Can Help
If the company points to policy wording, ask Caira by Unwildered to compare that wording with your receipt, photos and written promises.
Caira is powered by AI and can read your PDFs, photos, docs, receipts and screenshots, then give answers, evidence summaries and draft letters in seconds.
Where To Check The Rules
FTC consumer protection guidance
card issuer chargeback procedures
merchant terms, shipping records and written refund promises
FAQ
Should I stop paying immediately?
Not always. Stopping payment can create late fees, service cutoffs, credit reporting, default notices or collection activity. First identify the contract, charge, deadline and safest route.
Should I name a company in the letter?
Yes, if it is the company you dealt with. Keep the wording factual: account number, date, promise, charge and requested fix. Do not accuse fraud unless you have a documented evidence.
Can this become a small-claims issue?
Sometimes. If the amount is documentable and the company will not respond, a demand letter and evidence index may help you decide whether small claims is worth considering.
This article is general information, not legal, financial, tax or medical advice. US law varies by federal rule, state rule, contract wording, forum, timing and facts.
