ACTION KIT · FINANCE & BANKING
Seven tools, in the order you'd actually need them — every one of them completely free to use.
This kit follows the real sequence of a fraud or disputed-charge problem: report the unauthorized transaction to your bank, dispute the specific charge if it isn't clearly fraud, and escalate formally if the bank refuses or drags its feet. Every generator, template and checklist below is completely free to use — no account, no payment, no catch.
Start at step 1 for a transaction you never made — jump to step 2 if it's a specific charge you did authorize but dispute the amount or delivery of.
Step 1 · Report it
A firm dispute letter for a transaction you never made — a lost/stolen card or a compromised account — requesting an investigation and reversal. The main tool in this kit.
Step 2 · Not clearly fraud?
For a merchant billing problem instead — never received, not as described, a duplicate charge, or charged after you cancelled — rather than an outright unauthorized transaction.
Step 3 · Refused or ignored?
A firm, formal complaint to your bank or financial institution if the dispute above is refused, dragged out, or handled poorly by staff.
Free, downloadable templates for tracking the fraud and building your evidence, plus free interactive checklists for what to do right away and what a valid dispute needs.
Document, report, and recover funds from unauthorized card and account activity — fraud log, bank communication log, key contacts, and rights reference by country. Excel.
Organize everything you need to win a card dispute before the deadline closes — transaction details, evidence checklist by dispute reason, communication log, and status tracker. Excel.
What to do immediately, what to document, and how to follow up in writing after unauthorized card or account activity.
ChecklistConfirm you have a valid dispute, try the merchant first, and gather the right evidence before you file.