Get Your Money Back From A Scam

So you came across what you thought was going to be a great opportunity to earn some extra money online but after investing your own cash to get started you’ve been left to find out the hard way that you were lied to & that the whole thing doesn’t really work as you were promised it would… So now you want a refund (and understandably you want back every single penny that you happened to invest).

But just how do you go about getting your money back? Is it gone for good?

The answer to that is NO, it’s not gone for good – in fact providing the date you found yourself scammed was within the last 5 years then you actually stand a very good chance of reclaiming your funds – and this page is going to show you exactly how to do it, so be sure to pay close attention.

First though there’s an important question that needs to be asked…

How Much Have You Lost?

The reason we want to ask you this question is because when it comes to reclaiming your funds it’s worth taking note that you only get ONE shot – and if you fail, then sadly your money may end up being gone for good – which you do not want.

So if the amount you have lost to a scam happens to be over $500 or £500 then we recommend you arrange a free consultation with a professional fund recovery firm like MyChargeBack as they will be able to advise you on your case & figure out the best way for you to stand the highest chance of successfully getting your money back.

In fact if you wish, a specialist recovery firm like MyChargeBack can even handle the case entirely on your behalf – so if you’re not confident in your ability to put the case together yourself or you would simply prefer to let the professionals handle it from start to finish then letting them take over could be a good idea. You can arrange your free consultation with them to see if they can help you by clicking here.

If however the amount you have lost is LESS than $500 or £500 then you may want to take on the case yourself by following the instructions below (but only if you feel confident in doing so – and we still recommend you leverage a free consultation with the professionals using the link above to find out the best way to go about it):

1. Ask Them Directly For a Refund

It sounds like an obvious step, but many scammers prey on the fact that most people they trick into their scams actually never end up requesting a refund – potentially due to embarrassment, or potentially because they just want to forget about it and move on & don’t think trying to chase up a refund will be worth the hassle.

Well it might sound surprising but the truth is that when approached in the right way many scammers do indeed refund money as it’s easier for them to make a refund than it is for them to potentially face a chargeback which could end up costing them even more money.

So just how exactly do you approach them in “the right way”?

The first thing you need to do is obtain their contact details – and usually these will either be displayed in the footer of their website (at the very bottom of the page), or they will be shown on a separate “contact” page which they will usually have to a link to from their main menu.

Contact Link Example

If they don’t have any contact details listed on their website then you can move straight on to the next step which shows you what to do in that scenario… However if they DO have contact details then the first thing you should do is fire off an email to them.

It’s important not to portray your anger in the email though, instead you should keep it professional because if they fail to respond then you can later use the email as proof of requesting a refund.

So what should you send? Here’s an example you can use (feel free to copy & adjust it – changing the words marked with an asterisk):


Dear *Company Name*

I recently came across your website found at *website address* & I purchased *product* for *amount*, however upon accessing the product I do not feel entirely satisfied with what I have received & therefore I would like to kindly ask for a refund.

The funds can be returned directly to my original method of payment, but please reply to this email to confirm receipt of my refund request & kindly let me know how long I should expect the process to take.

Furthermore, failure to reply to this email within 7 working days will result in me escalating the claim to a chargeback via my card issuer as I feel that the sales material for the product was very misleading.

Kind regards,

*Your Name*


If they also have a phone number then it would be a good idea to call them & ask them to confirm that they have received your email – but rather than discussing the case on the phone you should tell them that you would prefer written communication via email.

This way, should the case need to be escalated you will have a log of all conversations made which will work in your favour.

If they don’t respond, don’t panic, even though you threatened it in your email you don’t necessarily need to escalate your claim to a chargeback just yet as there is still another option you can try first which is what we’ll discuss next.

2. Ask The Merchant For a Refund

Some scammers will try & encourage you to make a direct bank transfer to them – so they will ask you to either call your bank & have them transfer money directly to their account on your behalf, or they will ask you to log into your account banking & make the transfer yourself.

They do this to “cut out the merchant” & sadly if you have made a payment in this way then this step won’t apply to you (so you should skip straight to the next one)… But if you didn’t, good news – you will stand a good chance of getting your money back by contacting the merchant directly – even if the scammers have previously refused or ignored your refund request.

But who is the merchant?

The merchant is basically the third party company that processed the payment for the product or service that you purchased, and it is in the merchant’s best interests for people to get refunds from the product/service providers rather than having to resort to chargebacks (as chargebacks cost them money).

So how do you find out who the merchant was?

Well there are a couple of ways you can do this. The first way is if you still remember the URL address you could re-visit the website & click on the “buy now” button, this should take you to the payment page which usually contains information about the merchant.

Take a look around the payment page – does it say something like “product sold via ClickBank“? Or has the URL in the address bar changed to a different website? If so, this is likely the merchant.

Some popular, well-used merchants include; PayPal, WorldPay, Stripe, Sage Pay, Square, Authorize.net, 2Checkout, ClickBank.

The second way to figure out is to check your bank statement & take a look at the transaction reference. Often this will contain some information about the merchant & if you run a Google search of it then you should be able to track them down.

Either way once you have figured out the merchant is then you should contact them directly explaining about your experience. Tell them how you felt you were misled (this is important) and if possible show them some proof. Do also threaten the fact that you will be escalating the claim to a chargeback if it is not resolved, and ask them how they can help you to avoid having to do that.

This step should prove successful, but if you have any issues then like we mentioned earlier in this guide don’t hesitate to reach out to a professional company like MyChargeBack for some free help.

3. File a Chargeback With Your Bank/Card Issuer

So you’ve tried asking for a refund from both the product/service provider & the merchant that you made the payment through yet you’re still no further forward…

Looks like it’s time to file a chargeback!

So first thing’s first, what exactly is a chargeback?

Well, here’s the Wikipedia definition:

Chargeback is the return of funds to a consumer, initiated by the issuing bank of the instrument used by a consumer to settle a debt. Specifically, it is the reversal of a prior outbound transfer of funds from a consumer’s bank account, line of credit, or credit card.

Basically in short a chargeback is VERY effective way for you to get your funds back from a scam, even if they’ve ignored or point-blank refused your refund request.

However firstly, like we mentioned at the very start of this guide – you only get ONE shot at a chargeback so it’s very important that you execute it correctly otherwise your money could indeed end up gone for good & that is absolutely not what you want.

So like we have also mentioned several times throughout this guide we strongly recommend you setup a free consultation with MyChargeback here to see the best way to proceed. This is important – even before you continue with the rest of this guide.

It is also recommended that you let them handle your case on your behalf as in the event of a dispute from the provider (the person that took your money), a professional chargeback company can clarify issues directly with the bank giving you the best chance of getting your money back.

If however you feel absolutely confident in your ability then you can find the steps below to put together your own dispute report & file the chargeback yourself:

Step 1. Get The Address of Your Card Issuer

A chargeback must be filed in writing which means you’ll need to physically mail your dispute report to your card issuer, therefore the first step you’ll need to take is to actually retrieve the address of your card issuer.

The easiest way to do this is to use Google or another search engine & simply run a search for “name of card issuer + address” (without quotes) as shown in the example below:

Card Issuer Address Example

If you have any doubts at all & you happen to have the phone number of your card issuer then it doesn’t hurt to give them a call & ask them directly which address you should send your chargeback report to.

Furthermore it’s also worth pointing out that you should verify the address has been taken from the official website of your card issuer as some of the third party websites display inaccurate information & if the report gets sent to the wrong address it will not get actioned, resulting in a delay in the overall process of getting your money back.

Step 2. Obtain The Exact Details of The Transaction

It’s very important that you provide all of the details of the transaction in the initial report that you send to your card issuer as missing information will significantly delay the process. It’s also important that you make sure the details are indeed accurate before you send them – as if they’re not, this will also cause a delay too.

So what details will you be required to include in your report?

Here is a list:

  • The exact details of what you were told you would be provided with upon making the purchase.
  • The exact date that you made the payment – and the dates of any subsequent payments you wish to include in the report.
  • The name of the company/person that you made the payment to.
  • Any proof of the payment you have – e.g. receipt, transaction reference, invoice, etc.
  • The exact amounts of the payments that you made.

Step 3. Compile Your Report & Initiate The Chargeback

Once you have gathered all the necessary information to put together your dispute, the next step is to compose your chargeback letter & then send it to your card issuers mailing address.

It’s important that you start the letter off by stating that you wish to make a claim under the Visa chargeback scheme, and you also need to explain how you feel you were misled.

It’s important that you prove to the bank that you were genuinely defrauded & that you don’t simply “regret spending money” and want it back, as if they feel it is the latter they will reject the chargeback claim.

If you were promised something different to what you received, then you were defrauded – but you need to be clear in this. Explain what you were told you would expect, and what you actually got, and explain how you feel the product or service did not live up to the claims that were made about it prior to you handing over your money.

If you have ANY doubts, ask the MyChargeback team here before proceeding as you do not want to ruin your “one shot” of reclaiming your funds by rushing together a badly formed dispute report.

Then, when you are ready to compose your initial letter you can use the example below as a reference of what it should look like:

Sample Chargeback Dispute

What Happens Next?

Once you have filed your chargeback report with your card issuer they will be in touch to confirm that they have received it & they will let you know whether or not it will be pursued.

They will also explain what actions you need to take next – or any additional details that you need to provide.

If you do not hear anything back within 14 days of sending the initial chargeback report to your card issuer then we would recommend then you give them a call to check if they have received it.

Furthermore, it’s worth pointing out that not all chargeback cases are a clear-cut case of “accept or reject”, instead there may be times where the product or service provider decides to dispute it – though this is rare in the instance of a scam.

If this does happen then you should be prepared with evidence to prove that you were indeed mislead & that you do not simply just regret spending the money, as we mentioned above.

From here on though we wish you good luck & obviously hope it arrives at a positive outcome. If you need additional assistance or you would like to stand the highest chance of getting your money back in the shortest time possible then we recommend contacting a specialist chargeback firm such as MyChargeBack.

If however you happen to have any questions or comments relating to this guide though then do feel free to leave them below & we will aim to respond back to you as quickly as possible.

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