Your money is not lost
You paid for goods or services you never received. Your bank said "no" to your chargeback.
We challenge the decision — and we win.
$4.3B+
Lost to chargeback denial (Canada, 2024)
56%
Chargebacks initially denied
78%
Overturned with professional representation
60
Days average to resolve
Sources: Canadian Banking Association, Visa/Mastercard dispute statistics
Why your chargeback was rejected
Banks deny chargebacks for many reasons: insufficient evidence, missed deadlines, or because the merchant disputes your claim. But that doesn't mean you're out of options.
Weak Evidence
Banks often require specific documentation. Most consumers don't know what to submit.
Missed Deadlines
You have limited time to file a chargeback. Many customers miss the window.
Automated Denials
Banks use automated systems to reject claims without proper human review.
Merchant Pushback
Merchants often contest chargebacks with fabricated evidence. We know how to counter it.
They were told "no" — we turned it into "yes"
These are real cases where we overturned chargeback denials and recovered thousands for our clients.
Travel Package Scam
A client booked a luxury vacation package online. The travel company went bankrupt, and the bank refused a chargeback, citing "services were rendered." We proved the service was never delivered and recovered $8,500.
"I had all the emails. The bank still said no. Reclaimo proved them wrong."
Furniture Not Delivered
A client paid $15,000 for custom furniture. The company delayed delivery for months and then went silent. The bank refused the chargeback, claiming the client had "accepted the terms." We fought the decision and won.
"I was out of pocket and they wouldn't help. Reclaimo forced the bank to act."
Online Course Fraud
A client enrolled in a "certification program" that turned out to be a scam. The bank denied the chargeback twice. We stepped in, submitted a comprehensive evidence package, and recovered $22,000.
"I didn't think I'd ever see that money again. Reclaimo was relentless."
We don't give up. We fight.
1. Evidence Review
We gather and organise all documentation — receipts, emails, contracts, and correspondence.
2. Formal Rebuttal
We prepare a legally sound rebuttal to the bank's denial, citing card network rules (Visa/Mastercard) and consumer protection laws.
3. Escalation
We escalate to the bank's internal dispute team, the Ombudsman (OBSI), and, if needed, initiate pre‑arbitration or arbitration proceedings.
4. Recovery & Compensation
We secure your refund, plus any interest and damages you're owed — and you only pay us if we succeed.
No upfront fees. We only get paid when you recover.
Our knowledge and experience
Card Network Rules
We know Visa, Mastercard, and American Express regulations inside out — and use them to your advantage.
High Success Rate
We overturn 78% of initially denied chargebacks — significantly above the industry average.
Timely Action
We know the deadlines and act fast. We never miss a filing window.
No Recovery, No Fee
You pay nothing unless we win your case. True partnership.
When a chargeback should be approved
The merchant didn't deliver, and you can prove it.
You received something completely different from what was advertised.
Someone used your card without permission — you have the right to a chargeback.
If the merchant is insolvent and can't provide the service, you should get your money back.
If any of these apply to you — contact us immediately. We can overturn the denial and recover your funds.
“I'd given up on getting my $12,000 back after the bank denied my chargeback. Reclaimo took my case and within 6 weeks, I had the full amount credited back. They are miracle workers.”
— Former Client, Montreal
Frequently Asked Questions
We handle all types: non-delivery, not-as-described, unauthorised transactions, fraud, and merchant bankruptcy. If your bank denied your claim, we can help.
We work on a "No Recovery, No Fee" basis. You pay nothing upfront. Our fee is a percentage of the amount we successfully recover for you — and we only charge after you receive your funds.
Typically 4–12 weeks, depending on the complexity. We expedite where possible and keep you informed throughout.
That's exactly why we're here. We can challenge the denial through a formal rebuttal, escalation to the Ombudsman, or arbitration.
Yes, any evidence helps — receipts, order confirmations, shipping updates, and communication with the merchant. We'll guide you on what we need.
Yes, generally 60–120 days from the transaction date, but it varies by card network. Contact us immediately so we can assess your situation.
Don't accept no for an answer
No upfront fees. Confidential case review.
Time limits apply — contact us today to protect your rights.
Request Your Free Case Review+1 (416) 123-4567 | info@reclaimo.org