FeeFighter

Annualize and analyzeAudit a list of fees: forannualize anomalies.each Useone when(monthly needingx12), tototal identifythe outliersyearly cost and duplicatesmonthly inaverage, feeand structures.flag Avoidcharges above the typical US range for their category, duplicate names and one-time fees of $30+ worth disputing. Use when needingthe user lists fees to calculatereview. annualFor costsa only,multi-year projection use annual_costannual_cost; instead.for typical ranges alone use benchmark_fees.

{"properties":{"fees":{"description":"FeesNon-empty list of fees to audit, each with {name, amount, frequency and optional, categorycategory?}","items":{"properties":{"amount":{"description":"Amount chargedper charge in USD, greater than 0, e.g. 38 or 15.99 (for monthly fees, the monthly amount)","exclusiveMinimum":0,"type":"number"},"category":{"description":"Optional benchmark category key, e.g.(case-insensitive; spaces/hyphens become underscores). One of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Unknown keys are ignored.","type":"string"},"frequency":{"description":"How often the fee recursis charged: 'monthly' (x12 per year), 'annual' or 'one-time'","enum":["monthly","annual","

{"properties":{"annualizedFeescurrency":{"description":"A listCurrency of fees withall theiramounts; annualizedalways amounts.USD","itemstype":{"propertiesstring":{},"annualizedAmountfees":{"description":"TheOne annualizedaudited amountrow ofper

{"destructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":true,"title":"Audit fees"}

RetrieveLook up typical US consumer fee ranges by(min/max category.per Usecharge, whenUSD) needingfor aone quickcategory referencesuch foras feebank_overdraft, benchmarks.or Avoidthe full 14-category table when auditingcategory specificis omitted. Use to answer 'is this fee chargesnormal?' questions. To check a user's own list of fees against these ranges, use audit_fees instead.audit_fees.

{"properties":{"category":{"description":"Category key to(case-insensitive; lookspaces/hyphens upbecome underscores), e.g.one bank_overdraft;of: omitbank_overdraft, forbank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Omit to get the full tabletable; an unknown key returns an error listing valid keys.","type":"string"}},"type":"object"}

{"properties":{"categorybasis":{"description":"The category key lookedBasis up,label e.g.for bank_overdraft;the orrange 'all'(typical ifUS therange full- tableverify wascurrent returned.pricing)","type":"string"},"feescategories":{"description":"List of typical

{"destructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":true,"title":"Benchmark fees"}

GenerateDraft (text only; nothing is sent) a disputefirm, polite letter forasking a specificcompany fee.to Usereverse whenor yourefund haveone aspecific clearfee, casewith forgrounds, a refund14-day orwritten-response reversal.request, Doan NOTescalation usepath whenand yousending needtips. Use once the user has picked a fee to analyzecontest. multipleTo fees;find usewhich audit_feesfees instead.are worth disputing first, use audit_fees.

{"properties":{"account_reference":{"description":"Optional account or reference numbernumber; prefer a masked form like '****1234'","type":"string"},"amount":{"description":"Fee amount in USD, greater than 0, e.g. 38","exclusiveMinimum":0,"type":"number"},"company":{"description":"Company or bank that charged the fee, e.g. 'First National Bank'","type":"string"},"date_charged":{"description":"Optional date the fee was charged, free text, e.g. 2026-09-14","type":"string"},"fee_name":{"description":"Name of the fee being disputed, e.g. 'Overdraft fee'","type":"string"},"reason":{"description":"Optional grounds for the disputedispute; default cites an undisclosed/unexpected charge and asks for a courtesy reversal","type":"string"},"requested_action":{"description":"What to ask for,the e.g.company 'reverseto ordo, refund'e.g. 'waive' or 'waive';'refund';

{"properties":{"disclaimer":{"description":"Not legal or financial advice disclaimer","type":"string"},"letter":{"description":"TheFull fullletter text ofwith theTo/From/Subject disputeheader letter.and signature","type":"string"},"recipientsending_tips":{"description":"The recipientPractical oftips thefor lettersending, inferred fromfollowing theup company

{"destructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":true,"title":"Dispute letter"}