Report a charge

First, check if the amount matches a recent receipt, a family member's purchase, or a yearly auto-renewal. Then, search the exact descriptor in our database. If you still can't identify it, report the exact descriptor, amount, and date to your bank to freeze the card and initiate a dispute.

Under the Fair Credit Billing Act (FCBA), you have 60 days from the date the statement was issued to dispute a credit card charge. For debit cards governed by Regulation E, your liability increases significantly if you wait more than 2 business days after learning of the loss.

A dispute (or chargeback) is a disagreement over a legitimate transaction, like receiving damaged goods or being billed twice. A fraud report means your card details were stolen and used by someone else without your permission.

No, you don't need proof to initiate a fraud report. Your bank's fraud department will investigate the transaction details, IP addresses, and shipping data to determine if the charge was authorized.

Your bank will typically cancel your current card and issue a new one to prevent further unauthorized charges. They will then open an investigation and often issue a provisional (temporary) credit while they review the claim.

Yes. If the bank's investigation finds evidence that you or an authorized user benefited from the charge (e.g., it was shipped to your home address or authorized by a family member), they will deny the dispute and reverse the provisional credit.

If you recognize the merchant but not the charge, it is usually faster to contact them directly for a refund. However, if the charge is completely fraudulent and from an unknown entity, you should contact your bank immediately to secure your account.

If you report the charge as fraud, the bank will cancel your card number and issue a replacement. If you are simply disputing a billing error with a known merchant, your card usually remains active.