Claim and Escalate APP Scam Reimbursement

    Most APP-scam decisions can be challenged — and many countries now mandate reimbursement.

    What to do

      • UK: PSR mandatory reimbursement (Oct 2024) — submit a claim in writing to your bank
      • AU: ask about the Scam-Safe Accord; if refused, escalate to AFCA
      • US: dispute under Reg E for any unauthorised portion; check Zelle/PayPal protections
      • If refused, escalate: UK → Financial Ombudsman; AU → AFCA; US → CFPB
      • Always reference whether the bank met its Confirmation of Payee / warning obligations before letting the payment through

    More from Financial Recovery

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    Engagement is the product; ending the conversation is the win.
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    Spot a Stolen-Funds 'Recovery' Scam

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