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Unauthorized charge on your card? You have the right to fight back.

Under Visa, Mastercard, and Regulation E — you have zero liability for unauthorized charges. Your bank is legally required to investigate. We show you exactly how to file and win — fast.

Get my fraud recovery plan →How it works
⚠ Debit cards: you have 60 days to report fraud. Credit cards: 120 days. Act now.
85%
of card fraud disputes resolved in favour of cardholder
$9.1M+
recovered from fraud and unauthorized charges
+$2,400 recovered
★★★★★

"Someone used my card for $2,400 in charges across 3 merchants. My bank was slow to act. Did I Buy It? showed me how to escalate it properly — provisional credit in 4 days, full resolution in 3 weeks."

CJ
Chris J.
Card fraud · $2,400 recovered · California
+$780 recovered
★★★★★

"PayPal account got hacked and $780 sent out. PayPal only gave me $200 back. Did I Buy It? helped me go to my card issuer directly for the rest. Got it all back."

SB
Sophie B.
Account takeover · $780 recovered · Manchester
+$450 recovered
★★★★★

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

DM
David M.
Card skimming · $450 recovered · Texas
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.
How it works

Three steps to your recovery plan

Takes under 5 minutes. No legal knowledge needed.

01
Step one

Describe what happened

Tell us about the charge — when it appeared, how much, and what you know about it. We'll classify your case and identify your strongest dispute grounds.

02
Step two

We build your case

Our AI generates a tailored recovery plan: the exact reason code, what evidence to collect, scripts for your bank, and your estimated success rate.

03
Step three

File and recover

Submit your dispute with confidence. We include downloadable PDF summaries and 24/7 support if your bank pushes back.

Ready to get your money back?Get your estimated success rate and recovery plan in under 5 minutes.
Get my fraud recovery plan →
Common cases

Types of fraud we handle 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.
91% success rateavg. $380 recovered
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.
85% success rateavg. $290 recovered
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.
79% success rateavg. $620 recovered
Friendly fraud reversal
“Family member used card without permission”
Technically unauthorized. Banks treat this as standard fraud. We advise on how to handle the dispute while managing the relationship.
72% success rateavg. $180 recovered
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.
77% success rateavg. $340 recovered
Recurring fraud
“Multiple charges from same fraudulent source”
Fraudsters often test with small amounts then scale. We identify the pattern and build a single dispute covering all charges.
83% success rateavg. $510 recovered
Recognize your situation?Tell us what happened and we'll identify your exact dispute rights in under 5 minutes.
Get my recovery plan →
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.
⚠ Debit cards: 60 days to report fraud. Credit cards: 120 days. Act now.

Fraud happened.
Your bank owes you this money back.

You have zero liability for unauthorized charges — but only if you act within your dispute window. Get your recovery plan before time runs out.

Get my fraud recovery plan →

Under 5 minutes · Zero liability rights

85%fraud disputes won
$9.1M+recovered
Zeroliability for fraud
Get my money back →