Someone owes you money.
Find out how much, and how to get it.
Step-by-step guides, real deadlines, and free templates to claim refunds, settlements, unclaimed money, and compensation from airlines, banks, landlords, employers, and companies that owe you. No lawyer needed, nothing to pay up front.
Search unclaimed money in your state
States hold over $70 billion in forgotten accounts, checks, deposits, and refunds. About 1 in 7 people has something waiting. Takes two minutes.
Opens the official state treasurer / comptroller search. Free to search, free to claim. Lived in more than one state? Check each one, or use MissingMoney.com for most states at once.
Most claimed right now
- SubscriptionsCharged for a subscription you canceled or forgot? How to cancel for real and get the money backFree trials that auto-renew, "cancel anytime" that takes five screens, charges after you canceled: what the FTC's negative option rules and state auto-renewal laws require, how to cancel so it sticks, when you're owed a refund, and how to use a chargeback when the company won't budge.
- SettlementsClass action settlements: how they work, where to find open ones, and how to get your checkWhen a company settles a class action, millions of customers are owed money and most never claim it. What a class action settlement is, how to find open settlements with no proof of purchase required, how to file a claim in 5 minutes, and how much you can realistically expect.
- Banks & feesCredit card chargeback: how to dispute a charge and get your money back (Fair Credit Billing Act)Charged for something you didn't get, billed twice, or a merchant won't refund? Federal law lets you dispute credit card charges and the issuer must investigate within two billing cycles. What qualifies, the 60-day deadline, what to write, and how to win the dispute.
- TemplatesDemand letter template for a refund (copy, fill in the brackets, send)A ready-to-use demand letter for a refund from any company: item not received, service not provided, charged after cancellation, defective product, or a refund they promised and never sent. Cites the applicable rules, sets a 14-day deadline, and reads like it was written by someone who will file. Fill in the brackets and send by certified mail and email.
- FlightsFlight canceled or significantly delayed? You're owed a cash refund, automatically (DOT rule)Since October 2024, U.S. airlines must refund your ticket in cash, not a voucher, when they cancel your flight or change it significantly and you don't take the alternative. What counts as "significant", the 7-day deadline for refunds, bag-fee and extras refunds, and what to do when the airline pushes credit instead.
- Unclaimed moneyHow to find unclaimed money in your name (free, every state, 10 minutes)States are holding over $70 billion in forgotten accounts, uncashed checks, deposits, and refunds. Here's exactly where to search for free, what documents you need to claim, how long it takes, and how to avoid "finder" scams.
Who owes you?
- Unclaimed money1 in 7 Americans has some4 guides
- Class action settlements$25 – $5,000+ per claim4 guides
- Flights & travelRefunds + up to €6005 guides
- Banks, cards & feesFees and fraud refunded5 guides
- Subscriptions & billsCharges reversed4 guides
- Shopping & refundsFull refunds4 guides
- Housing & workDeposits + back pay3 guides
- How to claimFree, no lawyer3 guides
- TemplatesFree letters2 guides
Official sources only
Every guide cites the federal or state law and the agency behind it (DOT, CFPB, FTC, state attorneys general, unclaimed property offices) and shows the date it was last reviewed.
Free first, help second
We always show you how to claim on your own for free. If you'd rather have a no-win-no-fee service do it, we tell you which ones exist and what they charge, and we disclose every affiliate link.
Templates that work
Demand letters and complaint templates with the exact language that gets a response, ready to copy into an email, a web form, or a certified letter.