Bank Statement Descriptor

OwnerDraftFraudulent Bank Statement Charge — Phishing/scam

MEDIUM — 68/100
Typical Amount

$50.00

Community Reports

1

Scam Type

Phishing/scam

Last Reported

Today

What is this charge?

Another generic descriptor that could be used for a variety of fraudulent charges. The lack of a clear company name is a major red flag.

How much does OwnerDraft charge?

The typical charge amount for "OwnerDraft" is $50.00. Victims have reported similar amounts. Check your full statement history for multiple or recurring charges.

Is OwnerDraft a scam?

"OwnerDraft" has been reported as potentially fraudulent. The threat level of 68/100 indicates significant risk. Proceed with caution.

What to do if you see OwnerDraft on your statement

  1. Freeze your card immediately — Contact your bank to block further unauthorized charges.
  2. Contact your bank — Call the number on the back of your card to initiate a dispute within 60 days.
  3. File an FTC report — Report at reportfraud.ftc.gov to create an official record.

How to Dispute This Charge

  1. 1

    Gather evidence

    Take a screenshot of the charge on your statement showing "OwnerDraft", the date, and amount. Save it as a PDF if possible.

  2. 2

    Contact your bank immediately

    Call the number on the back of your card or use your bank's app to initiate a dispute. Do this within 60 days of the charge date.

  3. 3

    Use dispute reason: "Fraudulent transaction"

    Spoofed merchant charges are treated as fraud. Request a card replacement with a new number immediately.

  4. 4

    Change your passwords and enable 2FA

    If a spoofed charge appeared, your card details may be compromised. Change banking passwords and enable two-factor authentication.

  5. 5

    Follow up in writing

    Send a certified letter to your bank within 10 days of the phone call to create a legal paper trail. Keep the tracking number.

Report to FTC

reportfraud.ftc.gov

CFPB Complaint

consumerfinance.gov

IC3 (FBI)

ic3.gov

Frequently Asked Questions

What is "OwnerDraft" on my bank statement?
Another generic descriptor that could be used for a variety of fraudulent charges. The lack of a clear company name is a major red flag.
Is "OwnerDraft" a scam?
Yes. "OwnerDraft" is classified as a Phishing/scam with a threat level of 68/100 in the TitanAlert database. It has been reported by 1 consumer and is considered medium severity.
How much does "OwnerDraft" typically charge?
The typical charge amount for "OwnerDraft" is $50.00. However, amounts may vary. Always check your full statement history for multiple charges.
How do I stop "OwnerDraft" from charging me again?
To stop future charges: (1) Contact your bank and request a new card number immediately, (2) Dispute all charges as unauthorized, (3) Search your email for any confirmation from this merchant and cancel any accounts, (4) File a complaint with the FTC at reportfraud.ftc.gov.

How many people have reported OwnerDraft?

1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.

Were you charged by OwnerDraft?

Your report helps protect other consumers. Share your experience — amount, date, and resolution.

Report This Charge

Related Fraudulent Descriptors

Other phishing/scam descriptors in our database

Cardmember Serv Web Payment

🎣Phishing/scam

MEDIUM

A very generic descriptor that makes it difficult to identify the source of the charge. This is a common tactic used by scammers to hide their identity.

$23.001 report
Back to all descriptors