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The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why reconciliation catches what vigilance misses
Agent charges are hard to spot because they look like normal purchases: a merchant name that does not match the store, a currency difference, an amount that includes a fee the agent did not mention. Scanning does not surface those; matching does.
The expensive failure is recurrent. A duplicate subscription or an annual renewal started by an agent during a trial is small each time and large over a year, and it is invisible unless someone is comparing cycles.
The protocol
- Export the last two statements from the card the agent holds, and list every charge that could plausibly be the agent's.
- Match each charge to something you authorized: a confirmation, a booking, a message, or an order. Anything unmatched is a question.
- Mark recurring entries and check when each started. If you did not intend a recurring charge, cancel it and note the date.
- For unmatched charges, contact the merchant first, then the card issuer, in writing, stating what you did and did not authorize.
- Set a monthly date to repeat this pass. Five minutes a month is the whole cost of not losing track.
What the tool does
Reconcile the charges an AI agent made: map each one to an authorization, flag recurring entries, and list the follow-ups. It runs in this browser; nothing is sent or stored.
Limit first: This is a reconciliation aid, not financial or legal advice. Dispute rights and deadlines depend on your card agreement and local law.
Open the companion tool →One human next step
If a merchant will not reverse an unauthorized recurring charge, ask your card issuer to block future charges from that merchant — in writing — and file a complaint with the CFPB if it continues.
Research log and safety checks
AI-assist path: not used for a verdict. Matching charges to authorizations is exactly the kind of work the reader must see line by line; a model summary would hide the unmatched entries that matter. §6.10: not a frontier-pace topic.
§0.5 protection result: category is financial-agent-exposure; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.