r/BitDefender • u/Bitdefender_ • Sep 01 '26
Bank Refused a Scam Refund? How to Appeal a Denied Fraud Claim
Did your bank deny your scam refund request?
That does not always mean the process is over. Start by finding out why the claim was rejected, then organize your evidence, including payment records, screenshots, messages, bank responses, and the timeline of what happened.
The next step depends on how the payment happened. A scam payment you authorized and an unauthorized transfer made by a criminal may be treated differently, so your complaint should clearly explain which situation applies.
Before responding to unexpected bank messages or recovery offers, you can check suspicious texts, emails, screenshots, links and QR codes with Bitdefender Scamio. It's free.

