After a suspicious payment
Prepare a clear dispute or support request
Organize your timeline, evidence, and questions for the provider.
Make the first report
Do not delay an urgent report while preparing a polished packet. Identify the affected payments and describe the suspected issue. Ask how supporting records should be sent and whether a written follow-up is needed.
Organize the facts
Keep a sequence of events, transaction references, messages, and case numbers in your own files. Distinguish what you personally did from actions someone else took. Do not guess at facts you cannot establish.
Follow up on the decision
Ask for the explanation and the review process in writing. Point out missing facts or factual errors. A CFPB complaint may raise an unresolved service problem; it does not replace reporting promptly or guarantee reimbursement.
Sources & further reading
- CFPB · Electronic Fund Transfers FAQs Regulatory guidance
- CFPB · Submit a complaint Official reporting
Reviewed October 27, 2026. Provider terms and support routes can change.