Subscriptions keep charging after cancellation, and quiet price drift slips past every monthly review. Paste your statement lines and BillingTruth classifies every recurring charge — ghost, drift, matched, or unknown — seals the findings in a tamper-proof evidence vault, and drafts the enforcement email that gets you refunded.
A gym membership cancelled in March still debits in September. A "free trial" flips to paid with no reminder. A streaming plan silently drifts up year after year. And when you ask for a refund, you get hours of hold music and "we have no record of your cancellation."
Leaked per household, per year, by subscriptions that should have stopped
Price increase that triggers a drift warning on an active subscription
Tolerance for a clean match — anything off by more gets flagged, not shrugged at
The dated refund deadline every enforcement email puts in writing
Log each recurring charge once: vendor, amount, cadence, card last-4, and the cancellation URL. Mark cancellations in-app — each one is sealed with a timestamp exactly once, into the vault.
Copy the recurring lines straight from your bank or card statement — 2026-03-14, ABC FITNESS CLUB, 4500 — and paste them in. We never ask for account numbers or logins.
Deterministic heuristics classify every line: charged after cancellation is a ghost; up more than 10% is drift; within ±1% is a clean match. Every ghost is hashed into the evidence vault before you see it.
One click drafts a plain-English explanation plus a firm enforcement email citing the FTC click-to-cancel rule — with a refund demand and a 14-day deadline, ready for the vendor's billing department.
Statement descriptions are matched against your cancellation ledger. A charge from a cancelled vendor dated after your recorded cancellation is a ghost — no vendor excuses left.
Every cancellation and every ghost finding is sealed with a hash chain in the shared ProofLine vault — an append-only record built for disputes, chargebacks and regulators.
GhostChargeAI explains each finding in plain English and drafts the enforcement email with a dated refund demand — and if the AI gateway is down, a deterministic fallback drafts it anyway. You are never left without the letter.
Active subscriptions are watched for silent hikes. A charge more than 10% above your tracked amount triggers a warning before the new price becomes a habit — and the watchlist ranks which vendors ghost you most.
The moment you mark a subscription cancelled, the event is written with an ISO-8601 timestamp — exactly once, never rewritten — and appended to the vault as a kind="cancellation" record. Every ghost finding a scan produces is sealed the same way before the response reaches your screen. The vendor's memory is not the record. The hash chain is.
Enforcement emails are firm consumer advocacy, not legal advice. Your data stays in your own service instance — no bank aggregator, ever.
The same deterministic rules the engine runs on every scan. Edit the line or load an example:
Demo ledger: ABC FITNESS (cancelled 2026-03-01) · STREAMFLIX (active, $15.99/mo).
Paste a statement, get classified findings — no card required.
For households that want the leak stopped for good.
When you want the money back, not just the memo.
You tell us what you subscribe to (vendor, amount, cadence) and when you cancelled. We classify every statement line with deterministic rules: a charge from a cancelled vendor dated after your cancellation is a ghost; a charge over 10% above your tracked amount is drift; a repeated amount that matches nothing is unknown recurring. Same input, same answer — no black box, no clocks, no randomness.
Yes. We ask only for date, description, and amount — the same three fields you'd see on any receipt. We never request account numbers, routing numbers, full card numbers, or bank logins, and there is no third-party bank aggregator in the loop. Your data stays in your service instance.
A firm, plain-English message to the vendor's billing department stating that you cancelled on a specific date, that the charge after cancellation violates the FTC's click-to-cancel rule (16 CFR Part 425), and that you expect the recurring billing stopped and the charge refunded within 14 days. It references your hash-sealed cancellation evidence — so the vendor knows stalling won't make the record go away.
Most vendors refund quickly once a dated cancellation record and a firm deadline land in the right inbox — a documented post-cancellation charge is expensive for them to defend in a chargeback under the FCBA. When a vendor refuses, your sealed evidence packet is exactly what your card issuer needs to reverse the charge. No outcome is guaranteed, but unevidenced anger is guaranteed to fail; evidence is what changes the odds.
Paste-only, free, and your ghost findings are evidence-sealed before you finish reading them.
Open the app — free scanNo bank connection. No passwords. Paste text, get answers.