Tips & Support

I paid the scammer using a Credit or Debit Card

If you have paid with a credit card you may be entitled to do a chargeback. ​

chargeback from your credit card company gives you a refund when you’ve been wronged in a transaction and the company from which you bought won’t give you back your money.​

You can get your money back in case of:​

  • You didn’t receive an item ordered, the item was broken or received the wrong product;​
  • You feel a product or service is substandard or not how it was represented;​
  • You were incorrectly billed (e.g. a subscription was continued while you have proof that you cancelled or they charged the wrong amount)​
  • You don’t recognize a charge on your credit card statement.​​

First, you must try to resolve the issue with the company you paid to. Collect all emails, WhatsApp message, letters, the order and return confirmations. Make screenshots of screens of the website of your order and/or transaction history. At the bottom of this page, you can find an example​ of a template you can send to your bank. Even though this one is United-Kingdom based, it can be adapted.

You often must provide all correspondence to the credit card company as proof (cf our article: I've been scammed, what now?).

The next step is contacting your credit card company. If it clearly is a scam/fraud, state so. The time you have to fill a chargeback request (usually 60 to 120 days) and the process differs per credit card network:​

If you have a credit card via your bank, it may be wise to start with contacting your bank first. The credit card network will approach the company and ask to respond to your claim. Often, they are more willing to support your chargeback than the credit card network.​

What if your credit card company and bank refuse?​

Do not give up. First, check why the credit card company and bank have refused the chargeback. You are entitled to read the response of the company who scammed you. Maybe you can counter his arguments with additional proof. ​


​Example letter​

[Date]​

[Your Name]​
[Your Address]​
[Your City, State, Zip Code]​
[Your Account Number]​

[Name of Creditor]​
[Billing Inquiries]​
[Address]​
[City, State, Zip Code]​

Dear Sir or Madam:​

I am writing to dispute a billing error in the amount of [ $______] on my account. The amount is inaccurate because [describe the problem]. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.​

Enclosed are copies of [use this sentence to describe any information you are enclosing, like sales slips or payment records] supporting my position. Please investigate this matter and correct the billing error as soon as possible.​

Sincerely,​

[Your name]​

Enclosures: [List the enclosures]​

Tagged with: billing error, sample letter​
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