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Dispute guides.
Browse dispute guides by category. Each guide explains the law that applies, the regulator path, and how to escalate. It is not a verified complaint tally and it does not publish invented win rates.
Insurance
Category guide →NRMAinsurance claim deniedAAMIinsurance claim rejectedAllianzclaim denialYouiclaim disputeSuncorpinsurance claim deniedQBEclaim rejectedBudget Directcar insurance claim deniedRACQinsurance claim disputenibhealth-insurance-claim-rejectedMedibankhealth-insurance-disputeHCFhealth-fund-claim-deniedNRMAhome insurance storm damage deniedAAMIcar insurance total loss disputeState Farmclaim deniedRegence BlueShieldtherapy claim wrongly denied for lack of preauthorization
Banking & credit
Category guide →CommBankunauthorised transaction disputeWestpaccredit card chargebackANZbank fee disputeNABloan hardship request refusedINGunauthorised transactionMacquariebank disputeBendigo Bankfee disputeAfterpayaccount disputeZipdebt disputeLatitudecredit disputeNABbanking complaintINGbanking complaintWestpacbanking complaintANZbanking complaintNABrefund refusedWestpacrefund refusedNABrefund to cancelled cardANZrefund refusedNABrefund requestEquifaxcredit report disputeExperiancredit report disputeTransUnioncredit report disputeChaseunauthorized charge disputeBank of Americaoverdraft fee refunddebt collectordebt validation request
Telco & internet
Category guide →Telstraovercharging complaintOptusbilling disputeVodafonecontract exit disputeTPGinternet service complaintAussie Broadbandnbn speed complaintAmaysimbilling disputeBoost Mobilebilling complaintnBN Coconnection fault complaintTelstracontract cancellation fee disputeTelstraoutage compensationFoxtelsubscription cancellation disputeDodobilling and exit fee complaintTelstrarefund refusedOptusrefund refusedOptuscomplaint handlingVerizonbilling disputeAT&Tearly termination fee disputeComcastprice increase disputeAT&Tunauthorized third-party charge (mobile cramming)
Energy
Category guide →AGLelectricity bill disputeOrigin Energybilling complaintEnergyAustraliahigh bill disputeRed Energybilling disputeAlinta Energybill complaintAGLwrongful disconnectionOrigin Energydisconnection without noticeEnergyAustraliadisconnection disputeRed Energydisconnection disputeAlinta Energydisconnection disputeMomentum Energydisconnection disputeSimply Energydisconnection disputeAGLmeter accuracy disputeOrigin Energysmart meter billing disputeEnergyAustraliafaulty meter disputeRed Energysolar meter disputeAlinta Energyestimated read disputeMomentum Energymeter disputeSimply Energymeter disputeAGLhardship program refusalOrigin Energypayment plan refusalEnergyAustraliahardship refusalRed Energyhardship refusalAlinta Energyhardship and concession disputeMomentum Energyhardship refusalSimply Energyhardship refusalAGLunauthorised plan switchOrigin Energydoor-to-door sales disputeEnergyAustraliamisleading savings claim disputeRed Energyunauthorised transfer disputeAlinta Energymisleading plan switch disputeMomentum Energymisleading plan switch disputeSimply Energymisleading plan switch disputeMomentum Energybill complaintSimply Energybill complaint
Consumer, travel, tenancy & fines
Qantasflight cancellation refundJetstarflight delay compensationReal estate agentbond claim NSWLandlordrepairs not done NSWRevenue NSWparking fine appealCouncilparking infringement disputeCentrelinkdebt disputeVirgin Australiaflight cancellation refundREXflight cancellation compensationWebjetbooking refund refusedBooking.comaccommodation refund disputeThe Good Guysfaulty appliance refundKoganrefund refusedAmazon AUrefund disputeLandlord (VIC)bond not returnedLandlord (QLD)bond disputeReal estate agent (VIC)rental repairs not doneLandlord (NSW)rent increase disputeLandlord (NSW)eviction notice disputeRevenue NSWspeeding fine reviewFines Victoriainfringement reviewCentrelinkpayment suspension disputeATOpenalty remission requestService NSWdemerit point disputeLinkttoll notice disputeCityLinktoll notice disputeLinkttoll notice disputeQantaslost or damaged baggage claimJetstarrefund voucher disputeQantasfrequent flyer points disputeVirgin Australiabaggage claim compensationGymmembership cancellation refusedQantasflight complaintQantascomplaint to ombudsmanJetstarflight complaintsAmerican Airlinesflight cancellation refundSouthwestdenied boarding compensationDeltaflight cancellation refundUniteddenied boarding compensationDeltadenied boarding compensationUnitedflight cancellation refundAmerican Airlinesdenied boarding compensationSouthwestflight cancellation refundSouthwestrefund delay from the 2022 holiday meltdownlandlordsecurity deposit not returnedSuffolk Countyred-light camera fee refund
Free tools
Bond Refund CheckerWhen do I get my bond back?Flight Rights CheckerWhat am I actually owed for this flight?Refund Rights CheckerCan I actually get a refund?Telco Exit Rights CheckerCan I exit this contract without paying a fee?Energy Disconnection Rights CheckerWas I disconnected lawfully, and what can I do now?Debt Collector Rights CheckerHow often can a debt collector actually contact me?Gift Card Rights CheckerIs my gift card actually expired?Subscription Cancellation Rights CheckerIs this subscription legally allowed to be this hard to cancel?Accommodation Refund CheckerCan I get my accommodation money back?Security Deposit CheckerHow long does my landlord have to return my deposit?
The point is not the number. The point is the law, the evidence, and the escalation path.
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