Search consumer rights, scams, fraud, calls, texts, voicemail, credit, identity theft, debt collectors, banking disputes, subscriptions, refunds, housing, data removal and complaint resources.
Open a result for the full resource: rights, what it means, what to save, what to do first, what not to do, where to report and Defentra/Elite action options.
What to do when a bank account, debit card, ATM card, ACH transfer or electronic transfer shows activity you did not authorize.
Consumers may have protections for unauthorized electronic fund transfers, but timing matters. Reporting quickly is critical.
How to prepare evidence for a payment dispute when an item was not received, a service was not provided or a merchant refuses to resolve the issue.
Chargebacks and payment disputes depend on the payment method, issuer rules, transaction type, timing and evidence.
How to prepare when a credit card charge is wrong, unauthorized, duplicated, not delivered or connected to a merchant dispute.
Credit card disputes and chargeback rights depend on the type of problem, the card issuer, the network rules, timing and evidence.
What to do if someone tells you to pay with gift cards for taxes, bail, tech support, grants, debts, utilities or emergencies.
Requests for payment by gift card are a major scam warning sign. Gift cards are meant for gifts, not payments to agencies, businesses, collectors or strangers.
What to do when money was sent by bank wire, wire service or transfer company because of a scam.
Wire transfers can move quickly and may be difficult to reverse, so the sending bank or wire company should be contacted immediately.
What to do after sending money through Zelle, Cash App, Venmo, PayPal, Apple Cash or another payment app.
Payment app disputes depend on the provider, funding source, transaction type and whether the payment was unauthorized or voluntarily sent because of deception.
What to do when your credit card shows a charge you did not make or approve.
Consumers should report unauthorized credit card charges quickly and preserve evidence showing the charge was not authorized.
What to do when your debit card or bank account shows activity you did not authorize.
Debit card fraud should be reported quickly because the funds may come directly from a bank account and timing can matter.
When a situation needs more than reading, use Defentra to scan, check, document and preserve evidence. For qualifying issues, Elite support can help organize the next steps.
This Resource Center is educational and organizational. It is not legal advice, financial advice or a guarantee of any outcome. Rights, remedies, deadlines and reporting paths can vary by state, account type, contract, agency rules and case facts.
