Bank Transfer and Payment Fraud

Overview

Unauthorized transactions, authorized push payment (APP) scams, card fraud and payment-app transfers each follow different dispute rules and different deadlines. Acting quickly matters: banks and card networks impose strict time limits, and early reports improve the chance that receiving institutions can still act.

We help you organize your payment records into a clear timeline, identify the correct dispute or reporting channel for each transaction, and understand what information your bank, card issuer or payment provider will typically ask for. We do not file disputes on your behalf — we make sure you walk into that process prepared.

Who This Service May Help

• You found unauthorized transactions on your account or card
• You were deceived into authorizing a transfer yourself (APP fraud)
• You paid a fraudulent merchant by card or payment app
• Your bank has already declined a dispute and you want to understand why

The Process

1. Case review — what happened, which payment methods were used, and when
2. Record organization — statements, references and recipient details in a clear timeline
3. Channel identification — the correct dispute, chargeback or complaint route for each payment
4. Preparation — what to say and what evidence to attach when you contact your bank

Information You May Need to Provide

• Bank or card statements showing the relevant transactions
• Dates, amounts and recipient details for each payment
• Reference numbers from any previous contact with your bank
• Evidence of what was promised in exchange for the payments

Honest Limitations

Dispute outcomes are decided by banks, card networks and regulators — not by us. Rights differ sharply between unauthorized and authorized payments, between countries, and between payment methods, and deadlines are unforgiving. We will be direct about which of your transactions appear disputable and which do not.

Common Questions