Got Questions? We've Got Answers.

The process has four steps: (1) Submit — fill out our secure online form in under 5 minutes with your refund details and any supporting documentation. (2) Expert Review — within 24 hours, a specialist validates your claim and builds a recovery strategy. (3) We Negotiate — we engage directly with the carrier, merchant, IRS, or financial institution on your behalf. (4) You Get Paid — your refund is sent directly to you and tracked live in your client dashboard. Our fee is only applied after you receive your refund.

Our overall average is 14 business days from submission to payment. Timelines vary by claim type: shipping refunds average 9 days, e-commerce disputes average 7 days, chargeback resolutions average 12 days, and tax refund follow-ups average 18 days. Audit cases can take 20–25 days. After your specialist reviews your claim, you'll receive an estimated timeline specific to your case.

Immediately after submission, your claim is automatically categorized and routed to a specialist team. Within 24 hours, a dedicated specialist reviews your case, confirms eligibility, assesses win probability, and builds a filing strategy. You'll receive a summary email with their findings, the recovery plan, and the estimated timeline before we take any action.

Every claim gets a dedicated entry in your secure client dashboard, updated in real time as your specialist takes action. You'll see the current status, every action taken, every provider response received, and the estimated timeline to resolution. You'll also receive email notifications at each major milestone — case opened, review completed, claim filed, response received, and refund confirmed.

A denial is not the end. In most cases, denials happen because of insufficient documentation or incorrect filings — not because the claim is invalid. Your specialist will review the denial reason, strengthen the evidence package, and re-file. If escalation is warranted, we escalate through supervisors, regulatory complaint channels (BBB, CFPB, state AG), or arbitration. Only after all reasonable paths are exhausted without success is a case closed — at no charge to you.

Yes. Individual clients can submit multiple claims — each is handled as a separate case with its own specialist assignment and timeline. Business and Enterprise clients receive bundled pricing and unlimited simultaneous claim submissions. All active claims are visible and tracked in your unified client dashboard.

Yes. You can withdraw a claim at any time before a refund is confirmed, at no cost. If a refund has already been obtained on your behalf before cancellation, our standard success fee applies to the recovered amount. To withdraw a claim, contact your specialist through the client dashboard or email support@swiftrefundclaim.com.

Our specialists compile a complete evidence package and file through the appropriate portal, phone line, or certified mail channel. We follow a multi-channel engagement approach — using whichever combination of contact methods generates the fastest response from a specific provider. Every communication is documented and timestamped. If initial filings are stalled, we escalate progressively until resolution is achieved or all viable paths are exhausted.

Absolutely never. Swift Refund Claim operates on a pure success basis. You pay nothing to submit a claim, nothing during the review and negotiation process, and nothing if we don't win. Our fee — a percentage of the recovered amount — is only charged after you have confirmed receipt of your refund. If we don't recover money for you, your cost is zero.

Our fees depend on your client tier: Individual clients: 20% of the recovered amount. Business clients: 15% of the recovered amount. Enterprise clients: custom rates negotiated based on volume and scope. For example, if we recover $1,000 for an individual client, our fee is $200 and your net payout is $800. You'll receive a transparent itemized receipt showing gross recovery, fee, and net payout.

No hidden fees, ever. No account fees, no filing fees, no consultation fees, no minimum recovery thresholds for individual clients, and no cancellation fees. The only charge is our success percentage, applied transparently and only upon confirmed recovery. Business clients have a minimum recovery threshold that is disclosed upfront before engagement — this is to ensure our team's time is appropriately matched to claim scale.

Our fee is applied after your refund is confirmed and received. For carrier credits and marketplace refunds, the fee is typically deducted from the credit before it's posted or invoiced separately. For direct cash refunds (IRS checks, bank reversals), you'll receive the full amount and we'll issue an invoice for our fee portion within 3 business days of your confirmed receipt. Payment is accepted via ACH, credit/debit card, or check.

No — the same fee percentage applies regardless of whether your claim is a shipping refund, tax overpayment, chargeback, or e-commerce dispute. Your tier (Individual vs. Business vs. Enterprise) determines the rate, not the claim category. The only exception is our audit service for business clients, which uses a custom rate due to the volume and complexity involved.

If we recover a partial amount — for example, $400 of a $640 claim — our fee applies only to what was actually recovered. You're never charged on amounts that weren't obtained. Before accepting a partial settlement, your specialist will present the offer to you and explain whether further negotiation is likely to yield more. You always have final approval over any settlement we accept on your behalf.

Requirements vary by claim type. For shipping refunds: tracking number and carrier invoice. For e-commerce disputes: order number, platform, and any seller communications. For tax refunds: filing year, return type, and any IRS or state correspondence. For chargebacks: transaction date, amount, and card/bank details. For dispute follow-up: description of prior attempts and any denial letters. Don't worry if you're missing something — our intake form guides you, and your specialist will request anything additional after review.

Yes — and many of our most successful recoveries come from previously denied claims. A prior denial doesn't disqualify your case. It typically means the claim wasn't filed correctly, lacked sufficient documentation, or the wrong escalation path was used. Submit your details including the denial reason and any correspondence, and your specialist will assess whether a viable path still exists.

Lookback periods depend on claim type: Shipping refunds: most carriers allow claims up to 15–180 days from delivery (varies by carrier and service). Chargebacks: typically 60–120 days from transaction date depending on card network. E-commerce disputes: varies by platform, typically 30–180 days. Tax refunds: IRS amended returns can go back 3 years. Audit cases: we typically review up to 18 months of transaction history. If your claim is older, submit it anyway — we'll confirm eligibility during review.

Minimal involvement is required. Once you submit your claim and any requested documents, your specialist handles everything. The main instances where we may need your input are: (1) if additional documentation is required that only you can provide, (2) if a settlement offer is made that requires your approval, and (3) when confirming receipt of your refund. Most clients spend less than 20 minutes total on their claim beyond the initial submission.

Upload whatever you have — more is always better. Useful documents include: carrier invoices and tracking confirmations, order receipts and confirmation emails, photos of damaged or incorrect goods, bank or credit card statements, prior denial letters or case reference numbers, any email or chat communications with the seller or carrier, and tax returns or IRS correspondence for tax claims. Documents are accepted in PDF, JPG, PNG, and CSV formats up to 25MB each.

Yes. We serve both individual consumers and businesses of all sizes — from sole proprietors and small businesses to mid-market and Fortune 500 companies. Business clients benefit from a lower 15% fee tier, unlimited claim submissions, quarterly proactive audits, a dedicated account manager, and priority handling. Enterprise clients with high-volume needs can access custom fee structures and SLA-backed resolution commitments. See our Business and Enterprise options →

For individual clients, there is no minimum claim amount. We've successfully recovered claims as small as $18 and as large as $85,000. A $90 Amazon dispute receives the same level of specialist expertise as a $90,000 logistics audit. Our no-win, no-fee model means the quality of your representation is never limited by the size of your wallet. Business and Enterprise clients may have a minimum threshold — this is disclosed transparently at engagement.

Yes. From the moment your claim is submitted, it's visible in your secure client dashboard with real-time status updates. You can see the current stage, every action your specialist has taken, all provider responses received, and the estimated resolution date. Email notifications are sent at each key milestone. There is no need to chase updates — your dashboard is always current.

We handle six distinct refund categories: Shipping & Logistics (delayed, lost, or damaged shipments from UPS, FedEx, USPS, DHL, and others), E-commerce Purchase Refunds (Amazon, eBay, Walmart, Etsy, etc.), Tax Refund Assistance (IRS and state overpayments, delayed refunds, amended returns), Chargeback Resolution (unauthorized transactions, merchant disputes across Visa, Mastercard, Amex, Discover, PayPal), Transaction Audit & Review (multi-platform analysis of up to 18 months of billing), and Dispute Follow-Up & Negotiation (persistent multi-channel follow-up on stalled or denied cases). View detailed service descriptions →

We work with all major U.S. carriers including UPS, FedEx, USPS, DHL, OnTrac, LaserShip, Amazon Logistics, and most regional and last-mile carriers. For international shipments originating from or arriving in the U.S., we can also engage with carriers' U.S.-based billing and dispute departments. If your carrier isn't listed, submit your claim and we'll confirm coverage during review.

We cover all major platforms where a purchase dispute mechanism exists, including Amazon, eBay, Walmart, Target, Wayfair, Etsy, Shopify-powered stores, Overstock, Newegg, and more. For platforms not explicitly listed, our specialists assess the available dispute pathways and advise on viability. We also handle disputes on international platforms (Alibaba, AliExpress, etc.) where U.S. consumer protection channels can be engaged.

Yes. Our tax refund service covers both individual and business federal and state tax cases. This includes individual overpayments, business income tax refunds, payroll tax refunds (941 overpayments), excise tax refunds, and amended return assistance across all 50 states. Our team includes IRS Enrolled Agents — the highest credential a tax practitioner can hold — authorized to represent clients directly before the IRS.

Our audit service is designed for businesses with recurring shipping, payment, or e-commerce activity. We analyze up to 18 months of transaction history across all your accounts — carriers, marketplaces, banks, and payment processors — to identify every missed refund, billing error, and unclaimed credit. You receive an itemized report of all identified opportunities, then approve which ones to pursue. We recover everything approved on a no-win, no-fee basis. Business clients averaging $10,000/month in shipping typically see 3–8% of that spend returned as refunds.

Yes. Business and Enterprise clients can enroll in continuous audit monitoring — our system automatically scans your connected accounts for new refund-eligible events every billing cycle. Eligible claims are flagged and filed automatically (with your approval preferences set upfront), ensuring no refund opportunity expires before it's claimed. This service is available under our Business and Enterprise plans.

Yes. Swift Refund Claim holds consumer financial advocacy licensing in all 50 U.S. states and the District of Columbia. State-specific regulatory requirements vary, and our compliance team ensures all filings conform to the rules of the relevant jurisdiction. We do not currently operate outside of the United States, though we can engage on claims involving U.S.-based providers for goods shipped internationally.

Yes. All data submitted to Swift Refund Claim is protected with 256-bit SSL encryption in transit and at rest — the same standard used by major financial institutions. We are fully compliant with FDIC, FTC, and CCPA regulations. Our infrastructure is hosted on SOC 2 Type II certified cloud infrastructure, audited annually by a third-party security firm. Your data is never sold, rented, or shared with any third party for any purpose beyond processing your claim.

No. Any account access we request — such as read-only access to your carrier account or bank statement exports — is strictly read-only. We cannot initiate transactions, transfer funds, or make changes to your accounts. We never request your banking login credentials. The refund itself is issued by the carrier, merchant, IRS, or card network directly to your account — we are the intermediary who secures the approval, not the party who handles the money.

Your claim information is accessible only to you and the Swift Refund Claim team members directly assigned to your case. We operate strict internal access controls — claim data is compartmentalized by client and accessible only to the assigned specialist, their supervisor, and our compliance team. No third parties outside of the provider being contacted on your behalf have access to your data. All staff access is logged and audited.

Never. Swift Refund Claim does not sell, rent, or share your personal or financial data with any third party for marketing, analytics, or any other purpose. The only data sharing that occurs is the submission of your claim evidence to the provider we are negotiating with on your behalf — which you authorize when you engage our services. You can request a full account of all data we hold about you at any time by contacting privacy@swiftrefundclaim.com.

We maintain the following compliance credentials: BBB Accreditation with an A+ rating, FDIC compliance for financial data handling, FTC compliance for consumer protection practices, CCPA compliance for California privacy requirements, SOC 2 Type II cloud infrastructure certification, and licensing in all 50 U.S. states for consumer financial advocacy. Our compliance posture is reviewed annually by an independent third-party auditor.

We retain your claim records for 7 years after case closure — consistent with standard financial record-keeping requirements — in case a dispute arises or a future audit references the same historical period. After 7 years, records are permanently deleted. You can request early deletion of your data at any time under your CCPA rights, provided no active claims, fee disputes, or regulatory holds apply to your account. Contact privacy@swiftrefundclaim.com for data deletion requests.

Our overall success rate is 94% across all claim types since inception. By category: Shipping & Logistics — 96%, E-commerce Disputes — 93%, Chargebacks — 92%, Tax Refund Follow-Up — 91%, Dispute Follow-Up — 94%, Audit & Review — 95%. Success rates are calculated as the percentage of accepted claims that result in at least a partial recovery. Claims that are assessed as unviable during the review stage are declined before engagement — so these numbers reflect real contested cases, not easy wins.

As of 2024, we have recovered over $2.4 million across 4,800+ filed claims for U.S. individuals and businesses. The average recovery per claim is approximately $500, though this varies widely by claim type — audit cases for business clients average over $4,000 per engagement, while individual e-commerce disputes average around $285. We update our total recovery figures quarterly on our About page.

Average recoveries by type: Shipping refunds — $840, E-commerce disputes — $285, Tax refunds — $1,640, Chargebacks — $520, Audit cases — $4,200, Dispute follow-up — $710. These are averages across all cases including small individual claims and large business recoveries. The single largest recovery we have obtained for a client to date is $85,000 in carrier billing overcharges identified through our audit service.

During the specialist review stage — before any action is taken — claims that lack viable recovery paths are declined with a clear explanation. We don't accept unwinnable cases because our success-based fee model means we have no incentive to pursue dead ends. If a claim becomes unwinnable after filing (e.g., the provider produces evidence that contradicts the claim), we close the case immediately with no fee charged and a summary of what was found.

No reputable recovery service can guarantee specific amounts — and we won't. What we can tell you is that our specialists will provide an honest estimated recovery range after reviewing your case, and that we pursue the maximum achievable amount through every available channel. If a settlement offer comes in below what we believe is fair, we'll negotiate further unless you instruct us to accept it.

Industry data suggests that self-filed carrier refund claims have a success rate of approximately 30–40% for first-time filers, compared to our 96% for the same category. For chargebacks filed directly by cardholders, success rates hover around 20–30% industry-wide vs. our 92%. The gap exists because providers have engineered their dispute systems to discourage persistence — and because knowing the exact escalation path, reason codes, and documentation requirements for each provider makes an enormous difference in outcomes.

We have over 1,240 verified client reviews with an average rating of 4.9 out of 5 stars. Reviews are available on our homepage, our BBB profile, Google Business, and Trustpilot. 98% of reviewed clients say they would recommend Swift Refund Claim to others. Testimonials from named clients including specific recovery amounts are featured on our homepage. All reviews shown are from real clients — we do not incentivize, fabricate, or selectively display feedback.

A client account is created automatically when you submit your first claim. Your account gives you access to the secure client dashboard where you can track all active claims, view case histories, manage documents, and communicate with your specialist. Account creation is instant and requires only your name, email address, and a password. No credit card or payment information is required at signup.

The client dashboard provides: real-time status updates on all active claims, a full action log showing every step your specialist has taken, provider response tracking, document upload and management, secure messaging with your specialist, estimated resolution timelines, a complete history of closed cases with recovery summaries, and payment receipts. Business clients additionally see multi-claim management tools and audit reports.

Yes. Business and Enterprise accounts support multi-user access with configurable permissions. You can add team members as viewers (read-only), claim managers (can submit and manage claims), or account admins (full access including billing and user management). All user actions within the account are logged for audit purposes. Contact your account manager to configure team access for your organization.

Use the Forgot Password link on the login page to reset your password via email. If you've lost access to your registered email address, contact support@swiftrefundclaim.com with your name, the email address on file, and a government-issued ID for identity verification. Account recovery is typically completed within one business day. Two-factor authentication (2FA) is available and recommended for all accounts.

Yes. You can request account closure and data deletion at any time, subject to two conditions: (1) all active claims must be resolved or withdrawn, and (2) any outstanding fee invoices must be settled. Once these conditions are met, we will permanently delete your account and personal data within 30 days, except for records legally required to be retained under financial regulations (maximum 7 years). To initiate closure, contact privacy@swiftrefundclaim.com.

The easiest way is through the secure messaging feature in your client dashboard, which connects directly to your assigned specialist's inbox. Messages are typically responded to within 4 business hours. For urgent matters, you can call our main client line at +1 (800) 555-0198 and request to be connected to your specialist by case number. Business and Enterprise clients have access to their specialist's direct email and phone line.