A name is a starting point
A bank statement can show a shortened merchant name, a payment processor or a billing entity. The map compares your line with registry descriptors, aliases and company names. It presents a candidate when that comparison finds a match. It cannot see your bank account, receipt or merchant order history.
Read the linked entry before acting. Its identity evidence distinguishes a documented mapping from corroborating context, an unconfirmed identity or a pending evidence review. A source describing a company’s services does not necessarily confirm the exact text on your statement.
Read the three results
- Recognized descriptor: a registry candidate was found. Recognition does not establish that you made the purchase.
- Match needs verification: the entry has a caution stamp, an unconfirmed identity or an evidence review still pending. Read its source limits and check your records. This label does not establish fraud.
- No confident registry match: this tool did not find a usable candidate. The descriptor could be absent, abbreviated or ambiguous. Keep the original line for your issuer.
Confirm the transaction
Compare its amount and posting date with receipts, authorized household purchases and your merchant account. Check whether it is pending or posted. A repeating descriptor can indicate recurring activity, but cannot by itself establish a subscription, authorization or the right cancellation channel.
If you suspect an unauthorized payment, contact your bank or card issuer promptly through its official app, website or the number on your card. Ask how to secure the account and report the transaction. Avoid calling a number solely because it appears beside a suspicious charge.
Reporting rules depend on the account
For credit-card billing errors, Regulation Z § 1026.13 describes written-notice requirements, generally measured from the first statement reflecting the error. For covered electronic fund transfers, Regulation E § 1005.11 describes error notices and investigations. Oral notice may qualify under that rule, although written confirmation can matter. Lost-card reporting and liability have additional conditions. This map does not calculate liability or guarantee a refund.
The dispute dossier can help organize facts you choose to record. The date reference tool explains its limited calculation. Report a concern promptly rather than waiting for a generated document.
Frequently asked questions
What does the triage map tell me?
It looks for a registry candidate and shows its identity evidence. A match needing verification is separated from a recognized descriptor. An unmatched line means there is no confident registry match. None of these results establishes who authorized the payment.
Can it prove a charge is fraud?
No. A matching name cannot establish authorization, and an unfamiliar descriptor cannot establish fraud. Compare the date, amount, receipt and account activity. Contact your bank or card issuer promptly if you suspect an unauthorized payment.
What should I do if I did not authorize a charge?
Contact your bank or card issuer through its official app, website or the number on your card. Explain the transaction and ask how to secure the account and report it. Credit-card billing-error rules and debit-card error rules differ; do not wait for a match here before reporting your concern.
Informational only, not financial or legal advice. Enter the descriptor, not a full card or account number. Matching runs in your browser; see our privacy policy for hosting requests and local storage.