Claim Compensation from Home Title Lock | Get Reimbursed 2025

Getting your ducks in a row before you contact them makes a huge difference. Don't give them an easy reason to say no.

• Gather Your Account Info: Find your account number, the email address you signed up with, and the full name on the account. Have it ready.
• Document Everything: Take screenshots of the charges on your bank statement. Find your original sign-up email and any cancellation confirmations you might have. Dates are critical.
• Write Down Your Story: Before you call or email, write a short, clear timeline of events. For example: 'On May 5th, I was charged $199. I had cancelled my service on April 10th via email, confirmation number XYZ.' This keeps you from getting flustered.
• Know What You Want: Decide on your desired outcome. Is it a full refund? A partial credit? Be specific. 'I am requesting a full refund of the $199 charge from May 5th.'
• Reference Their Own Terms: Briefly check their Terms of Service for their cancellation and refund policy. Using their own rules against them can be very effective.

In the United States, your rights for services like Home Title Lock are primarily governed by consumer protection laws and the contract you agreed to (their Terms of Service). This isn't like airline compensation with rigid federal rules; it's more about contract law and fair billing practices.

• The Electronic Fund Transfer Act (EFTA): This federal law protects you from unauthorized electronic fund transfers. If Home Title Lock charged you after you cancelled, you can dispute it as an unauthorized charge. You typically have 60 days from the statement date to report it to your bank.
• FTC Regulations: The Federal Trade Commission oversees rules about 'negative option billing' (auto-renewals). Companies must clearly disclose renewal terms and provide a simple way to cancel. If they made it incredibly difficult to cancel, you can file a complaint with the FTC.
• State Laws: Your state's Attorney General is your best advocate for deceptive or unfair business practices. These laws vary by state but provide a powerful route for escalation.

What can you get? Compensation is almost always limited to a refund of the disputed charges. You won't get extra money for your time or frustration. The goal is to be made whole for the amount you were incorrectly charged.

Subject: Urgent Request for Refund - Account #[Your Account Number] - Unauthorized Charge

Dear Home Title Lock Billing Department,

I am writing to request an immediate refund for a charge of $[Amount] made to my card on [Date of Charge]. My account number is [Your Account Number].

This charge was unauthorized for the following reason: [Choose one and delete the others]

• I cancelled my subscription on [Date of Cancellation] via [Method, e.g., phone, email] and received confirmation number [Confirmation Number, if any]. The service should not have renewed.
• I was charged for a service that did not perform as advertised, specifically [briefly explain the service failure].
• This charge is a billing error. I was supposed to be billed $[Correct Amount], not $[Incorrect Amount].

As you can see from my attached records [Attach screenshots of the charge and any cancellation proof], this charge is invalid. Per your terms of service and my rights under the Electronic Fund Transfer Act, I am entitled to a full refund.

Please process a full refund of $[Amount] to my original payment method within 5-7 business days. If I do not receive confirmation of this refund, I will escalate the matter by filing a chargeback with my bank and lodging formal complaints with the Better Business Bureau and the FTC.

Sincerely,

[Your Full Name] [Your Phone Number]

If Home Title Lock refuses to budge or just ignores you, don't give up. You have several powerful options to escalate your claim.

1. Initiate a Bank Chargeback: This is often the most effective tool. Call the number on the back of your credit or debit card and tell them you want to dispute a charge. Use phrases like 'service not rendered' or 'unauthorized recurring payment after cancellation.' You have strong consumer protections, especially with credit cards.

2. File a Complaint with a Regulator: A formal complaint can get a company's attention when a customer service ticket won't.

   • Better Business Bureau (BBB): While not a government agency, companies often respond to BBB complaints to protect their rating.
   • Federal Trade Commission (FTC): File a complaint at ReportFraud.ftc.gov. The FTC looks for patterns of deceptive practices.
   • Your State Attorney General: This is a powerful local resource for consumer protection.

3. Take Them to Small Claims Court: For larger amounts or as a matter of principle, small claims court is a viable option. It's designed for individuals to represent themselves without needing an expensive lawyer. The threat alone can sometimes be enough to get your refund.

4. Make Noise on Social Media: A polite but firm public post on X (formerly Twitter) or Facebook detailing your issue can sometimes get a quick response from a social media team empowered to solve problems. Tag them directly.

Tired of trying to navigate Home Title Lock's cancellation process, only to get hit with another charge next month? Sound familiar? The endless hold music, the support emails that go unanswered, the feeling that they make it difficult on purpose. It's exhausting.

Pine AI was built for this exact frustration. We handle the entire cancellation for you. No more waiting on the phone, no more drafting emails. Just tell our AI what to cancel, and we get it done. We use proven strategies to ensure the cancellation actually sticks, which is why we have a 93% negotiation success rate. Think of us as your personal assistant who deals with the corporate runaround so you don't have to. It's not just about saving time; it's about saving your sanity. Let us handle the headache.

The information on this page is for informational purposes only and does not constitute legal advice. Pine AI is not a law firm.