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Fraudulent Subscription From a Look-Alike Billing Name

Decision tree

Write a message to your bank and a merchant about a recurring charge under a name you do not recognise, saying you do not recognise the charge.

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Write a message to my bank and a merchant about a recurring charge under a name I do not recognise. Facts I will give: bank or card [BANK_OR_CARD], statement line and amounts [STATEMENT_LINES], first and last charge dates [CHARGE_DATES], names I searched and what I found [SEARCH_RESULTS], whether I own an account with similar services [POSSIBLE_LINKS].

The letter needs to say I do not recognise the charge, set out what I checked, ask the merchant to identify the account holder and stop the charge, and ask the bank for guidance on a dispute.

Gather before drafting: Statements with the exact descriptor, email searches for receipts, a list of accounts I own, and the merchant's reply if any. Reasonable asks: Identification of the source, cancellation, refund of charges, and a replacement card if needed. Expect a response like: Merchants may say the card number was used by the account holder; reply by asking for the account email and the date created.

For the fraudulent subscription from a look-alike billing name, take me through a short decision tree with three branches: proof, recipient, remedy, name the branch we reach, and then draft the letter on that branch. Give me the letter itself plus a cover note of about 50 words, then an if-ignored ladder (ask the merchant to identify, then the card issuer to dispute, then a consumer agency), plus an evidence checklist (statements, email searches, account list, replies). File it online first, since many organizations log portal filings, and download the submission receipt as a PDF and keep the confirmation email in the case folder.

Quote no statute or time limit from memory; use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given, and tell me to verify the exact law with a professional. Draft it in my own voice as a private individual, without posing as counsel. Write it direct, fair and respectful, with no insults or empty threats, put the date from [DEADLINE] on any request, and say where an outcome is uncertain. None of this is legal advice.

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