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Business payments platform Official sources verified

Ramp fraud reporting routes

Business-card fraud, unrecognized-charge disputes, account compromise, and Bill Pay fraud.

Last checkedAug 5, 2026Official website
This independent directory is not affiliated with Ramp. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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Ramp unrecognized-charge dispute

Submit in Ramp dashboard

Flag the transaction as an Unrecognized Charge through Ramp.

Open official route
Source: Ramp Disputes

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7
  • Affected transaction

    Open the exact transaction and record date, amount, merchant descriptor, and status.

    Required by in-app workflow
  • Communications with the merchant

    Preserve full thread with dates and sender identifiers.

    May be required for dispute
  • Receipts

    Preserve original or faithful copy.

    May be required for dispute
  • Invoices

    Preserve the complete invoice and metadata.

    May be required for dispute
  • Shipping or delivery tracking

    Save tracking number, carrier, events, and screenshots/PDF.

    May be required for dispute
  • Relevant photos

    Preserve original files and metadata when available.

    May be required for dispute
  • Posted transaction status

    Ask user whether transaction is posted before routing to dispute.

    Required/recommended by Square
Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7
  • Merchant communications

    Preserve the complete thread with dates, identities, and attachments.

    Keep original and export copy
  • Receipts

    Preserve the original receipt or a faithful copy showing merchant, date, amount, and item/service.

    Keep original where available
  • Invoices

    Preserve the complete invoice and associated metadata or email delivery record.

    Keep original and copy
  • Tracking information

    Save carrier, tracking number, event history, delivery status, and screenshots/PDF.

    Export/copy
  • Relevant photos

    Preserve original files and metadata when available; do not edit the originals.

    Keep original
  • Dispute confirmation and investigator emails

    Save the dispute confirmation and every investigator email; respond by any deadline stated in the case.

    Keep original and copy
  • Prepaid/gift card receipts

    Preserve receipts, card packaging, card numbers/photos where safe, and redemption records; redact public outputs.

    Keep original
Other official reporting routesAgencies that may apply depending on the facts11
FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.
FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.
CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.
USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.
U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.
Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.
FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.
Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.
NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.
IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.
SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.
Official sources and verificationEvery public route links back to an independently checked official source2
Ramp DisputesUnrecognized-charge and fraud-dispute process. · Verified in browserRamp Fraud AwarenessAccount compromise response and Support notification. · Verified in browser

Other verified routes for Ramp

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