Do these 3 things before closing this tab:
1Fix the driver behind crashes, sound loss and screen glitches2Clear out junk files and repair common Windows errors3Scan for outdated or missing drivers - takes under a minuteIf an AI shopping assistant appears to have triggered a charge you did not approve, contact your card issuer or bank promptly and use the dispute process for the payment method involved. For a U.S. credit-card billing error, send written notice within 60 calendar days after the charge appeared on your statement. For a debit card or other electronic transfer, notify your bank or credit union as soon as possible; different deadlines and liability rules apply. Save the transaction details and records that show what you asked the assistant to do and what you confirmed.
How to dispute an unauthorized AI shopping assistant charge
- Identify the charge and payment method. Check the account activity or statement for the merchant name, amount, date, and whether the money came from a credit card, debit card, or bank account. Save a screenshot or download of the transaction and any order receipt.
- Notify the financial institution promptly. Call the card issuer or bank, or use its official dispute channel, and explain that you do not recognize or did not authorize the transaction. Follow its instructions and record the date, case number, and any documents requested.
- Use the route for the funding source. For a credit card, send a written billing-error notice as described below. For a debit card or other electronic fund transfer (EFT), report the issue to the bank or credit union and follow its procedure.
- Contact the merchant or AI provider when relevant. A retailer may handle an order made through an AI shopping interface; a charge for the AI service itself should also be raised with that provider’s billing support. Do not postpone notifying the issuer or bank while you seek an explanation or refund.
- Keep the authorization record. Preserve the assistant conversation, your instructions and any spending or product limits, checkout screens, confirmation or lack of confirmation, order details, merchant communications, and dispute correspondence. These records can help explain what you did and did not authorize.
This guidance focuses on U.S. consumer transactions. Rights and procedures can differ by country, payment method, account terms, and the facts of the transaction.
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If the charge is on a credit card
Notify the card company promptly. To protect the billing-error rights described by the Consumer Financial Protection Bureau (CFPB), send a written notice within 60 calendar days after the charge appeared on your statement, following the statement’s billing-dispute instructions. Use the billing-dispute address, which may differ from the address for payments, and keep a copy of your notice. See the CFPB’s credit-card charge dispute guidance.
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The CFPB says an issuer generally has 30 days to acknowledge a written billing-error notice and, under its consumer guide, another two billing cycles to investigate. These are general process periods, not a promise that every case will be resolved by a particular calendar date. You may dispute a charge even if you have already paid it; any refund may wait until the issuer decides the dispute. The CFPB explains the process in How to fix mistakes in your credit card bill.
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Keep paying the portions of the bill you do not dispute on time. During the investigation, the issuer may not require payment of the disputed amount or charge interest on that amount, and it may not report you late if you paid the undisputed amount on time. If the issuer finds the charge was a billing error, it must remove it; if it decides the bill is correct, it must explain why and state what is owed and when it is due.
An unauthorized charge is not the same as a complaint that an authorized purchase was defective or never delivered; the latter can follow a different dispute path. The CFPB discusses that distinction in its billing-error guidance.
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If the charge came from a debit card or bank account
Report a debit-card purchase or other EFT to your bank or credit union immediately and follow its instructions. CFPB guidance describes a general deadline of no later than 60 days after the institution sent the statement showing an unauthorized transfer. If your debit card or access code was lost or stolen, reporting within two business days can affect potential liability; delay can increase your exposure in specified circumstances. The relevant deadline depends on the event and account facts, so do not wait for the credit-card written-notice window. Read the CFPB’s guidance on unauthorized bank-account transactions.
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For EFTs, the CFPB defines an unauthorized transfer as one initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. Its guidance also says a transfer by someone the consumer furnished an access device to is generally excluded unless the consumer has told the financial institution that the person’s transfers are no longer authorized. These rules can make the scope of permission relevant, but they do not establish how an AI assistant’s actions should be classified in a particular purchase. See the CFPB’s Electronic Fund Transfers FAQs.
What the AI assistant’s role does—and does not—tell you
The key factual question is what you authorized, not simply whether an AI assistant was involved. Consider what you instructed it to buy, any limit or restriction you set, what the assistant displayed, whether you confirmed the order, and what the merchant processed. The CFPB’s guidance on unauthorized credit-card use does not settle every scenario involving an AI agent with delegated authority.
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OpenAI’s published description of Instant Checkout says users can tap Buy and confirm order, shipping, and payment details, while the merchant handles orders, payments, and fulfillment. Its Instant Checkout and Agentic Commerce Protocol description concerns that service’s flow, not every AI shopping product. OpenAI’s Agentic Commerce documentation likewise says the merchant decides whether to accept or decline an order, charge the payment method, and confirm the order, and that OpenAI is not merchant of record in that protocol.
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Those product descriptions can help you identify which records to request or preserve. They do not decide whether you legally authorized a specific charge or who is responsible if an assistant acted beyond your intended scope. Do not assume that linking a card means every action is authorized, or that every mistaken or over-limit action automatically meets the legal definition of an unauthorized transaction.
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If the charge came directly from the AI provider
If the statement names the AI company and the charge is for a subscription or usage credits, contact that provider’s billing support as well as your financial institution. OpenAI, for example, says its support team can investigate unrecognized ChatGPT or API-credit charges and review refund eligibility; its help page also describes account-security steps if an account may have been compromised. OpenAI says it does not issue a separate refund while a card or bank dispute is active or after funds have already been returned through that dispute. Those are OpenAI-specific policies, not rules for other AI providers. See OpenAI’s instructions for reporting unrecognized charges.
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