A Fraud Alert May Itself Be Fraud. Verify Before You Respond
Build a fraud-alert authenticity record It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-keeping aid, not financial, investment or legal advice. It cannot stop a charge, reverse a transaction, or establish who is legally liable.
FREE TIER1 Free Run AvailableFree preview — Pro locked
Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Free path, in order (no cost):
The number printed on your card or bank statement (never the one in the message)
FTC — ReportFraud.ftc.gov for the message itself
CFPB complaint route if the bank does not resolve the issue
What this cannot do: It cannot stop a charge, reverse a transaction, or establish who is legally liable.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time