When a company charges you for something you never agreed to, here is what to do.
This is an open record of real disputes with banks, buy-now-pay-later lenders, and online platforms: what happened, the steps taken in response, and how you can pursue a similar problem of your own. Plain language up top; the statutes, filings, and documents are one click deeper.
Maintained by Benjamin James Royer, PhD · ben@drbjr.com
Browse the disputes
Filter by company, by the type of problem, or by who really holds the loan.
Find the bank behind the brand
Many lenders are fronted by a sponsor bank. Knowing which one tells you who to complain to.
File your own complaint
Free federal and state channels that actually move companies.
Wisconsin DATCPState consumer protection (adjust to your state).
Plain-language glossary
Sponsor (rent-a-bank) model
A fintech brand makes the loan, but a chartered bank legally issues it. The bank, and its regulator, are often where complaints land.
BNPL three-leg structure
The lender pays the store, lends you the money, then collects repayment. These are separate steps; you can dispute the repayment without disputing the purchase.
Chargeback vs. dispute
A chargeback reverses a card charge; a billing dispute formally contests an amount and triggers investigation duties.