We match your dispute against hundreds of documented CFPB cases — identifying the applicable regulation, the correct contact, and what has moved similar situations forward.
No account. No login. Takes 2 minutes. Always free.
No legal knowledge needed. Just describe what happened.
What happened, who was involved, and what the institution did or didn't do. Plain language, no legal knowledge needed.
Your situation is matched against 600+ documented CFPB cases. We identify the dispute type, regulation, and institution-specific behavior.
The exact regulation, the contact channel for your dispute type, and what moved similar cases toward resolution.
A $340 charge appeared on your debit account from a merchant you did not authorize. You reported it to the bank within 3 days. The bank issued a denial 12 days later, citing "no error found" without providing documentation or an explanation of its investigation process.
Under Regulation E, your bank is required to provisionally credit your account within 10 business days of receiving your dispute while investigating. A denial without written explanation — and without offering access to documents relied upon — is a procedural violation independent of whether the charge was ultimately valid.
File a complaint with the CFPB at consumerfinance.gov/complaint. CFPB complaints to this institution produce a documented response in over 95% of cases within 15 days.
No. Sediment provides informational research based on documented CFPB cases and federal regulations. It is not a substitute for legal counsel. Verify all information before taking action.
Your narrative is analyzed against 600+ fully documented CFPB cases using a pattern-matching pipeline. We identify the dispute type, the applicable federal regulation, and institution-specific behavior drawn from documented outcomes.
Usually under 5 minutes. You'll receive your report by email. The intake form takes about 2 minutes to complete.
Unauthorized charges, billing errors, dispute denials, delayed refunds, and ignored complaints — for both individuals and businesses. Covers chargebacks, payment processor holds and terminations, merchant account freezes, SBA loan denials, and business banking disputes, in addition to personal banking and credit card disputes.
Yes. We collect only your email address and dispute narrative. We do not collect your name, account numbers, or financial details. We do not use your information for advertising. See our Privacy Policy.