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Card stolen? Account hacked?

Card stolen? Build a bank-ready dispute.

Under Visa, Mastercard, and Regulation E, you have strong consumer protections for unauthorized charges. We help you identify the charges, pick the right reason code, and prepare a dispute you file yourself with your bank.

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🔥Debit cards: 60 days to report. Credit cards: 120 days. Clock is ticking.
CJ
Chris J.
vs. 3 Merchants
★★★★★

"Someone used my card for $2,400 across 3 merchants. My bank was slow. DidIBuyIt showed me how to escalate — provisional credit in 4 days, full resolution in 3 weeks."

Refunded
$2,400
2 weeks ago
SB
Sophie B.
vs. PayPal Hacker
★★★★★

"PayPal account got hacked and $780 sent out. PayPal only gave me $200 back. DidIBuyIt helped me go to my card issuer directly. Got every cent back."

Refunded
$780
1 month ago
DM
David M.
vs. Card Skimmer
★★★★★

"Card details skimmed at a gas station. Six charges I didn't make. DidIBuyIt bundled them into one dispute and told me exactly what evidence to gather. Done in 2 weeks."

Refunded
$450
3 weeks ago
Build a bank-ready fraud dispute
Self-help workflow · Not legal advice
Works with
VisaVisa
MastercardMastercard
AmexAmex
DiscoverDiscover
PayPalPayPal
Apple PayApple Pay
Google PayGoogle Pay
StripeStripe
KlarnaKlarna
AfterpayAfterpay
Cash AppCash App
VenmoVenmo
What you need to know

Your rights when fraud happens

Key fact
Zero liability protection
Visa, Mastercard, and Amex all have zero liability policies for unauthorized transactions. You are not responsible for charges you didn't make — but you need to dispute them correctly and within the window.
Key fact
Your bank must investigate
Under Regulation E (debit) and Regulation Z (credit), your bank is legally required to investigate fraud claims. This isn't optional. We make sure your dispute is filed in a way that triggers this obligation.
Key fact
Act fast — 60 days for debit
Credit cards give you 60–120 days. Debit cards under Regulation E give you 60 days from your statement date to dispute unauthorized charges. After that, liability shifts to you. Don't wait.

Three steps. Five minutes. A dispute you can file today.

No lawyers. No hold music. We help you prepare; you file with your bank.

01
Step one

Tell us what happened

Quick and painless — tell us about the charge, when it appeared, and what you know. Our AI classifies the fraud type and helps you pick the right dispute angle. Under 3 minutes.

02
Step two

We build your dispute package

We reference Regulation E, card network rules, and common fraud patterns. You get the exact reason code and an evidence checklist tailored to your case.

03
Step three

You file it

You get a step-by-step playbook: what to say to your bank, what evidence to attach, scripts for every call — plus a ready-to-file PDF you submit yourself.

Someone used your card?Build a bank-ready fraud dispute in under 5 minutes.
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Common cases

Types of fraud we see every day

Physical card theft
“Card stolen, used in-store or online”
Some of the strongest fraud cases. Card-present fraud has near-zero liability for cardholders under Visa/Mastercard rules.
Card details compromised
“Skimming, phishing, data breach”
Your physical card is intact but details were stolen. Common after gas station skimmers or data breaches. Fully disputable.
Account takeover
“Hacked PayPal, bank account, or wallet”
Someone gained access to your account and made transfers. Multiple dispute routes available — platform, card issuer, and regulator.
Friendly fraud reversal
“Family member used card without permission”
Technically unauthorized. Banks treat this as standard fraud. We help you frame the dispute while managing the relationship.
Online scam payment
“Paid for goods that never arrived”
Paid by card to a fraudulent seller. Strong grounds under "item not received" or "not as described" — even if you authorized the payment.
Recurring fraud
“Multiple charges from same fraudulent source”
Fraudsters often test with small amounts then scale. We help you identify the pattern and build a single dispute covering all charges.
Recognize your situation?Tell us what happened and we'll help you identify your dispute rights in under 5 minutes.
Build my dispute →
FAQ

Common questions

Do I need a police report to dispute fraud?+
No — most banks do not require a police report to process a fraud dispute. However, for large amounts (typically over $1,000), filing one strengthens your case significantly. We'll tell you when it's worth doing.
What if my bank already denied my fraud claim?+
A denial is not final. Banks frequently deny first submissions due to incomplete evidence or incorrect filing. We'll tell you exactly what went wrong and how to refile correctly — or escalate to the card network directly.
Should I cancel my card?+
Yes, immediately if you suspect ongoing fraud. Call your bank and request a replacement card. Then use Did I Buy It? to dispute the unauthorized charges — your new card number doesn't affect your dispute rights on the old one.
How long do fraud disputes take?+
Credit card fraud disputes: 10–30 business days. Debit card disputes under Regulation E: 5–10 business days for provisional credit, 45 days for final resolution. We include expected timelines in your plan.
What if the fraud happened months ago?+
Credit cards give you 60–120 days from the charge date. Debit cards under Regulation E: 60 days from your statement. If you're outside those windows, we'll identify alternative routes — CFPB complaint, card network escalation, or small claims.

Fraud charges to investigate

Pick a charge to see the merchant, refund policy, and a dispute script.

GEICO
GEICO
SWEETGREEN
Sweetgreen, Inc.
TINDER
Tinder
SOUNDCLOUD GO
SoundCloud Global Limited & Co. KG
ULTA BEAUTY
Ulta Beauty, Inc.
CRUNCHYROLL
Crunchyroll, LLC
OPTIMUM
Altice USA (Optimum)
VERIZON WIRELESS
Verizon Wireless
T-MOBILE
T-Mobile USA, Inc.
METLIFE
MetLife, Inc.
COMCAST *XFINITY
Xfinity
WOW INTERNET
WideOpenWest (WOW!)
PLANET FITNESS
Planet Fitness
CLASSPASS
ClassPass, Inc.
GIANT EAGLE
Giant Eagle, Inc.
THE ECONOMIST
The Economist Group Ltd.
DISH NETWORK
DISH Network L.L.C.
BARKBOX
BARK, Inc. (BarkBox)
USAA INSURANCE
USAA
FRNDLY TV
Frndly TV, LLC
⚠ Debit cards: 60 days to report fraud. Credit cards: 120 days. Act now.

Fraud happened.
You have rights — but only for a limited time.

Under Regulation E and the FCBA, you have strong consumer protections for unauthorized charges if you report in time. We'll help you build a bank-ready dispute before the window closes.

Build my dispute →

Under 5 minutes · Self-help workflow · Not legal advice

Build my dispute →