Laura B., a 51-year-old teacher from Oregon, had already lost $15,000 to a bogus crypto investment scheme. She was heartbroken and embarrassed. She didn’t want to tell her family, but she couldn’t stop looking for ways to get her money back.
One day, she received an email from a company that claimed to help scam victims recover lost funds. They said they worked directly with banks and card companies, and they promised to “guarantee chargeback success” within two weeks. The company looked legit-a professional website, client testimonials, and even a chat support team that replied instantly.
They told her she qualified for a full recovery and only needed to pay a small “case opening fee” of $250. Then came a “processing charge” of $1,200, followed by a “legal clearance fee.” The costs kept piling up.
Over three weeks, Laura paid them $8,900-more than half of what she’d originally lost. Every time she asked for updates, they gave her vague answers or said her case was still “in queue.” One day, their website vanished. Emails bounced. She realized she had been scammed a second time.
Laura was devastated. Losing money once was painful. Losing it again while trying to recover was even worse. She reported the incident to her bank, but they said it was outside their jurisdiction. She found Financial Options Recovery while searching online and sent us a desperate email.
We took her case seriously. Our team quickly investigated the payment trail. The scammers had used a mix of shell companies, prepaid cards, and crypto wallets. But one of the payment processors involved was based in the U.S.-and we contacted them with documented proof of fraud. After back-and-forth compliance checks and formal affidavits, they agreed to reverse a large portion of the transactions.
Within two weeks, Laura got $8,900 back in her account.
“I was ready to give up. I thought I’d made the same mistake twice. But your team treated me like a real person. You didn’t blame me. You helped me.”
Chargeback scams are cruel because they target people who are already hurting. These fake firms offer hope-but they’re just another trap. If you’ve been promised a recovery in exchange for upfront fees, don’t wait. Get real help from people who know how these scams work and how to fight back.