Unauthorized transactions happen when someone uses your account or card without permission—whether through stolen information, account compromise, or fraudulent charges you didn't make. This category covers what to do when you spot suspicious activity, how to report it to your bank or card issuer, and what protections exist while disputes get resolved. Understanding the difference between a chargeback, a fraud claim, and a billing dispute matters because each follows different timelines and rules.
The articles here answer practical questions: how to report unauthorized charges, what documentation you'll need to gather, how long investigations typically take, and what happens to your money while a dispute is pending. You'll also learn what your card issuer or bank is required to do, when you might be liable for fraudulent charges, and how to protect yourself from similar problems in the future.