refund-radar

# refund-radar

Scan bank statements to detect recurring charges, flag suspicious transactions, identify duplicates and fees, draft refund request templates, and generate an interactive HTML audit report.

## Triggers

- "scan my bank statement for refunds"
- "analyze my credit card transactions"
- "find recurring charges in my statement"
- "check for duplicate or suspicious charges"
- "help me dispute a charge"
- "generate a refund request"
- "audit my subscriptions"

## Workflow

### 1. Get Transaction Data

Ask user for bank/card CSV export or pasted text. Common sources:

- Apple Card: Wallet → Card Balance → Export
- Chase: Accounts → Download activity → CSV
- Mint: Transactions → Export
- Any bank: Download as CSV from transaction history

Or accept pasted text format:
```
2026-01-03 Spotify -11.99 USD
2026-01-15 Salary +4500 USD
```

### 2. Parse and Normalize

Run the parser on their data:

```bash
python -m refund_radar analyze --csv statement.csv --month 2026-01
```

Or for pasted text:
```bash
python -m refund_radar analyze --stdin --month 2026-01 --default-currency USD
```

The parser auto-detects:
- Delimiter (comma, semicolon, tab)
- Date format (YYYY-MM-DD, DD/MM/YYYY, MM/DD/YYYY)
- Amount format (single column or debit/credit)
- Currency

### 3. Review Recurring Charges

Tool identifies recurring subscriptions by:
- Same merchant >= 2 times in 90 days
- Similar amounts (within 5% or $2)
- Consistent cadence (weekly, monthly, yearly)
- Known subscription keywords (Netflix, Spotify, etc.)

Output shows:
- Merchant name
- Average amount and cadence
- Last charge date
- Next expected charge

### 4. Flag Suspicious Charges

Tool automatically flags:

| Flag Type | Trigger | Severity |
|-----------|---------|----------|
| Duplicate | Same merchant + amount within 2 days | HIGH |
| Amount Spike | > 1.8x baseline, delta > $25 | HIGH |
| New Merchant | First time + amount > $30 | MEDIUM |
| Fee-like | Keywords (FEE, ATM, OVERDRAFT) + > $3 | LOW |
| Currency A...