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Don't recognize a charge? We'll identify it and get it back.

91% of unrecognized charges we analyze are either fraud, billing errors, or forgotten subscriptions — all recoverable. Find out what this charge is and get your money back in under 5 minutes.

Identify this charge →How it works
⏱ Act fast — fraud charges must be reported within 60 days
91%
of unrecognized charges identified within minutes
$6.2M+
recovered from unrecognized charges
+$540 recovered
★★★★★

"There was a $540 charge from something called DIGI*SERVICES on my statement. Did I Buy It? identified it as a scam SaaS company and had me dispute it. Full refund in 12 days."

MK
Michael K.
Unknown descriptor · $540 recovered · Illinois
+$89 recovered
★★★★★

"I saw a charge I didn't recognize and panicked thinking I was hacked. Turned out it was a legit subscription I'd forgotten. Did I Buy It? showed me exactly which one and how to cancel."

AP
Anna P.
Mystery subscription · identified & cancelled · London
+$1,200 recovered
★★★★★

"Three charges I didn't recognize turned out to be the same scammer using different descriptors. Refunder caught all three and built one dispute package for my bank."

TR
Tom R.
Repeat fraud · $1,200 recovered · New York
What you need to know

What an unrecognized charge could mean

Key fact
Forgotten subscription
Many services use unclear billing descriptors that don't match their brand name. “DIGI*SVCS 855-123” might be a software trial you signed up for 6 months ago. We identify these so you know what you're dealing with.
Key fact
Billing error
Sometimes merchants charge the wrong amount, charge twice, or charge the wrong card. These are straightforward disputes — your bank will reverse them quickly with the right documentation.
Key fact
Unauthorized charge / fraud
If you genuinely didn't authorize it, you have strong dispute rights. The key is acting fast — most cards give you 60–120 days. We build your case and tell you exactly what to say.
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.
Identify this charge →
Common cases

Common types of unrecognized charges

Confusing descriptor
“AMZN*MKTP / PAYPAL *VENDOR”
Legitimate charge with a confusing name. We identify the merchant and help you cancel if needed.
92% identifiedUsually $0 — cancellation only
Forgotten free trial
“TRIAL*SERVICENAME”
A trial you signed up for has auto-converted to paid. Still disputable if you weren't notified.
78% success rateavg. $120 recovered
Family member charge
“Shared card, unrecognized purchase”
Someone on your account made a purchase. We help you verify and dispute if unauthorized.
Case-by-caseavg. $85 recovered
Merchant billing error
“Duplicate or wrong amount”
You were charged more than once or the wrong amount. Strong grounds for dispute.
88% success rateavg. $95 recovered
Fraud / stolen card details
“Completely unknown merchant”
Your card details were used without your knowledge. Immediate dispute rights — act fast.
85% success rateavg. $340 recovered
Subscription after cancel
“Recognized merchant, unexpected charge”
You cancelled but they kept billing. Clear chargeback grounds under recurring billing rules.
81% success rateavg. $160 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

What if the charge turns out to be legitimate?+
We'll tell you what the charge is and who made it. If it's a subscription you forgot about, we'll show you how to cancel it going forward. No dispute needed — and no charge from us.
How quickly do I need to act on an unrecognized charge?+
Most card networks allow disputes up to 60–120 days from the charge date. The sooner you act the better — banks take earlier disputes more seriously and fraudsters sometimes return if unchallenged.
Should I cancel my card immediately?+
If you suspect fraud, contact your bank to freeze or replace your card first. Then use Did I Buy It? to build your dispute case. We can help you dispute multiple charges at once if your card details were compromised.
What if there are multiple unrecognized charges?+
We can handle them together. If they're from the same source, we'll build a single dispute package. If they're from different merchants, we'll create separate plans for each — prioritized by amount and deadline.
Will disputing alert the fraudster?+
No. Your dispute goes to your bank, not the merchant. The bank investigates independently. The merchant is notified of the chargeback, but your contact details are not shared.
⏱ Act fast — unauthorized charges must be disputed within 60–120 days

Don't ignore a charge you don't recognize.
Find out what it is — free.

You have up to 120 days to dispute an unauthorized charge. Don't let the window close.

Identify this charge →

Under 5 minutes · No lawyer needed

91%charges identified
$6.2M+recovered
60–120 daysto dispute
Get my money back →