WTF is this charge?

Mystery charge? Find out what it is.

Unrecognized charges are usually fraud, billing errors, or forgotten subscriptions. We help you identify who charged you and build a bank-ready dispute you file yourself — in under 5 minutes.

Identify this charge →

🔥Fraud charges must be reported within 60 days. Don't wait.

Michael K.

vs. DIGI*SERVICES

★★★★★

"$540 charge from something called DIGI*SERVICES. No idea what it was. DidIBuyIt identified it as a scam SaaS company and had me dispute it. Full refund in 12 days."

Refunded

$540

1 week ago

Anna P.

vs. Mystery Charge

★★★★★

"Saw a charge I didn't recognize and panicked thinking I was hacked. Turned out it was a legit subscription I'd forgotten. DidIBuyIt showed me which one and how to cancel."

Refunded

$89

2 weeks ago

Tom R.

vs. Repeat Scammer

★★★★★

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

Refunded

$1,200

3 weeks ago

Identify your mystery charge

Self-help workflow · Not legal advice

Works with

Visa

Mastercard

Amex

Discover

PayPal

Apple Pay

Google Pay

Stripe

Klarna

Afterpay

Cash App

Venmo

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.

Three steps. Five minutes. Mystery solved.

No panicking. No calling your bank 12 times. We help you figure out what it is and build a bank-ready dispute if it shouldn't be there.

Step one

Show us the mystery charge

Paste the descriptor from your statement. Our AI cross-references 50,000+ known descriptors, merchant databases, and scam patterns. We'll help you identify who charged you.

Step two

We figure out what happened

Fraud? Forgotten subscription? Billing error? We classify it and help you build your case. You get the right reason code and an evidence checklist tailored to your charge.

Step three

You file the dispute

Whether it's a dispute, cancellation, or chargeback — you get a step-by-step playbook with scripts, evidence templates, and a ready-to-file PDF you submit yourself.

That charge shouldn't be there?Identify it and build a bank-ready dispute 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 help you identify the merchant and cancel if needed.

Forgotten free trial

“TRIAL*SERVICENAME”

A trial you signed up for has auto-converted to paid. Often disputable if you weren't notified.

Family member charge

“Shared card, unrecognized purchase”

Someone on your account made a purchase. We help you verify and build a dispute if unauthorized.

Merchant billing error

“Duplicate or wrong amount”

You were charged more than once or the wrong amount. Strong grounds for dispute.

Fraud / stolen card details

“Completely unknown merchant”

Your card details were used without your knowledge. Immediate dispute rights — act fast.

Subscription after cancel

“Recognized merchant, unexpected charge”

You cancelled but they kept billing. Clear chargeback grounds under recurring billing rules.

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

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.