A chargeback is the strongest recovery tool most victims never use properly: a card-network dispute that can reverse an investment-fraud payment without lawyers, without the broker's cooperation, and often within weeks. The difference between a rejected claim and a refunded account is usually evidence packaging — not luck.
1. Gather the evidence file. Deposit receipts, the platform's licence claims versus the regulator's register, withdrawal refusal messages, and your records of what was promised.
2. Call the number on your card. State 'fraudulent merchant, misrepresentation of services' — the magic category. 'I changed my mind' loses; 'they were never what they claimed' wins.
3. Answer the reason code precisely. Card networks route disputes by code; the wrong code loses on paperwork before anyone reads your story.
4. Escalate on refusal. Pre-arbitration, then the network's arbitration, then the financial ombudsman — each step accepts the same file, sharper.
The dispute is not 'bad investment' — it is 'merchant was never what it claimed'. Attach the licence-register mismatch as your first exhibit.
Your losing trades are irrelevant and confuse the file; the fraud is the identity of the counterparty, not the outcome of trades.
A filed dispute within the deadline preserves your rights even while it is investigated — waiting for a perfect file can cost you the calendar.
If some deposits went by wire instead of card, our wire-transfer guide covers the recall route; the platform you disputed is likely documented in our forensic review archive; and the deadline guide maps every window that applies to your dates.
Concrete cases from our forensic review archive: a regulated broker whose card deposits were disputed successfully · an exchange brand behind disputed card deposits · a broker whose card-payment clients we supported in disputes
Call the number on your card, dispute the deposits as 'fraudulent merchant — services misrepresented', and file the evidence: licence-register mismatch, withdrawal refusals, promotional claims. Frame it as who they were, not how the trades went — that framing is what card issuers refund.
The chargeback first: it is free, fast and covers card deposits. A fund recovery service earns its fee on what the chargeback cannot reach — bank wires, crypto transfers, cross-border tracing. Run them in that order and you pay only for the hard part.
Card networks refund misrepresented-service fraud routinely, including investment scams, when the file is framed precisely. Declined claims are usually category errors — 'unauthorised transaction' when it was authorised, or 'goods not received' when it was 'merchant not what it claimed'. Reframe, resubmit.
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Chargebacks are won on packaging, not luck. Tell us how you paid and what the platform claimed; we will assess the strongest dispute route — free, and before your window closes.
Tell us what's happening. We'll respond within one business day — or immediately for active investigations.