docmydispute · financial
They say you owe it. Make them prove it.
Every statement, every call from the collector, every letter you sent — dated and kept in one record. Then the written dispute, and the federal regulator that handles it if they keep calling.
A tool of record — not legal advice.
Is this you?
Is this happening to you?
Someone is chasing money you don’t believe you owe. If this is where you are:
- A collector who will not say who the original creditor was
- A charge or fee on your account that nobody can explain
- An error on your credit report that keeps coming back
- Calls at all hours, and no written record of any of them
- A written dispute you sent, and silence since
A financial dispute is decided on the record — the statements, the dates you called, what you asked for, and what they sent back. That is the thing this app builds.
How it works
Three steps.
Keep the record
Log every call, letter, and statement the moment it happens — who called, when, and what was said.
Dispute it in writing
The assistant drafts the written dispute from your record, not from thin air. You review and approve every word.
Escalate, with proof
Still chasing? Take a complete, dated case file to the CFPB — the whole history, in order.
What to gather
For a debt or banking dispute, these are the documents people usually need. A guide, not a requirement — add whatever you have.
- Account statements
- Loan/credit agreement
- Fee notices
- Correspondence with bank
- Transaction records
When you hand it over
One file. The whole story, in order.
Whether it goes to the collector, your bank’s complaints team, the CFPB, or a lawyer, they all want the same thing: what happened, on what date, with the documents attached. Not a folder of screenshots.
A dated record of every exchange
Each call, letter, and email — attributed to the side that made it.
The dispute you sent, as you sent it
Drafted from your record, reviewed by you, kept with the rest.
The evidence, indexed and attached
Statements, agreements, and fee notices — numbered and referenced.
It never invents events. The words are yours to approve.
Questions
Disputing a debt or a bank error
- What is the CFPB, and when should I complain to them?
- The Consumer Financial Protection Bureau is the federal regulator for banks, lenders, credit reporting, and debt collection. You would normally go to them after the company’s own dispute process has failed you. Their reviews commonly take 15 to 60 days — the fastest of any regulator in this app.
- What should I keep when disputing a debt?
- Account statements, the loan or credit agreement, any fee notices, your transaction records, and every piece of correspondence with the bank or collector — plus dated notes from each phone call: who called, when, and what was said.
- Should I dispute a debt in writing or over the phone?
- In writing, and keep a copy. A phone call leaves no record that you disputed anything, or of what you were told. If you do call, write down the date, the time, the name of the person you spoke to, and what they said, immediately afterwards.
- Will I have to go to court?
- Often not. Many disputes resolve at the company’s own complaints stage or after a regulator becomes involved. Note that many financial agreements require arbitration before court is available, so read what you signed.
- What does docmydispute actually do?
- It keeps a dated record of every exchange with the bank or collector, drafts the written dispute from that record for you to review before sending, and compiles a complete case file you can hand to a regulator or a lawyer. It is a tool of record — it does not give legal advice.
Other situations
Dealing with more than one thing?
docmydispute works the same way for any dispute where someone has more power than you. A few others: