Start here
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 liability is a chain
In an agent-to-agent transaction, several parties act at once: you authorized your agent, the platform executed the deal, and a counterparty's agent accepted it. When something goes wrong, the question is which link failed — authorization, execution, or counterparty.
The plain version matters because most of these disputes are won on records: what you authorized, what the platform's terms say about agent errors, and what the counterparty actually promised. Keep those three, and the chain becomes traceable.
The protocol
- Describe the transaction: your agent, the platform, and the counterparty.
- Read the liability basis: each party's role and where the fault likely sits.
- Collect the three records: your authorization, the platform's terms, and the counterparty's promise.
- Start the dispute at the platform, then the card issuer, then the CFPB.
What the tool does
Describe an agent-to-agent transaction gone wrong and get a plain-language liability reading. It runs in this browser; nothing is sent or stored.
Limit first: This is an explainer, not legal advice and not a determination of fault in your case. Consult a qualified professional for a specific dispute.
Open the companion tool →One human next step
Collect the three records and start the dispute at the platform. Escalate to the card issuer, then the CFPB or your state regulator.
Research log and safety checks
AI-assist path: not applicable — the explainer is plain-language education, and the reader's own records are the data; a model layer adds no verification value. §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.