Tool — triage
Hold or charge?
guided checksCheck the status of an unfamiliar entry and compare it with your records. Your answers suggest an inquiry route; they cannot establish fraud, authorization, a release date or a refund outcome.
What the result can establish
A pending label, a recognized merchant and a small amount are clues to check. They do not establish consent or prove fraud. This tool has no access to your bank account, merchant account or transaction network.
What to do with the result
- Pending: compare the receipt and ask your issuer about the specific authorization and release conditions.
- Recognized purchase: check each amount and any later adjustment.
- Possible subscription: check billing history and the service’s documented cancellation policy.
- Unresolved or suspected unauthorized entry: report it promptly and ask which reporting requirements apply.
Sources: CFPB: suspicious card activity and credit-card billing errors. Credit and debit protections differ; a merchant inquiry should not delay a required issuer report.
Related tools
- Decode a descriptor — check possible merchant matches
- Subscription tracker — review recurring payments you enter
- Dispute letter — prepare a billing-error notice draft
Frequently asked questions
What is a pending hold on my bank statement?
An authorization hold reserves funds before settlement. Pending status alone does not establish your consent, the final amount or a release date. Ask your issuer about the specific entry and report suspected unauthorized use promptly.
Is this charge fraud or a legitimate subscription?
This tool cannot determine fraud or authorization. Compare the entry with receipts and account billing history. If you suspect unauthorized use, contact your issuer promptly through its official channel.
This tool is informational, not financial or legal advice. It cannot determine liability or file a claim. Contact your issuer promptly if you suspect unauthorized use.