Every year, companies get hacked. Courts approve settlements. Victims get "free credit monitoring valued at $487." Nothing gets fixed. Nobody calls the bank for you. RFA Restitution changes that.
When Equifax breached 147 million Americans in 2017, the settlement included credit monitoring "valued at $125 per person." The total settlement: $425 million. What most victims actually received: a code for a service they never activated.
| What the Settlement Gave You | What Restitution Looks Like |
|---|---|
| A dashboard that shows alerts | Someone who acts on those alerts |
| "Valued at $487/year" | Actually worth $487/year |
| Overseas call center with a script | Licensed US-based restoration specialist |
| You call the bank | We call the bank — and we stay on hold |
| You file the dispute letter | We draft and send the FCRA dispute letter |
| Credit freeze you have to set up yourself | Automatic freeze/thaw via app, one tap |
| Monitoring that tells you after fraud happens | Detection that catches fraud before it lands |
| A free service the company didn't want to pay for | A service that fronts you cash while we fight |
Most identity services are dashboards. RFA Restitution is a team.
Our Parser detects fraud signatures before they become losses: $0.01 "ping" test charges, impossible geo-velocity transactions, account takeover sequences (email changed, 2FA removed). You get an alert. We're already moving.
Our Legal Bot generates FCRA and FCBA-compliant dispute letters specific to your case — not templates. Every letter is unique to the fraud. Sent to the right bureau, the right creditor, via certified record.
Our Voice Agent navigates bank IVR phone trees under your Digital Power of Attorney. It stays on hold. When a human answers, your licensed Restoration Specialist takes over the call — identified, authorized, and accountable.
A US-based, CITRMS-certified Restoration Lead oversees every case. They hold the licensing. They sign the affidavits. They're the captain — the AI is the autopilot. If the AI hits a wall, the human escalates. Your problem is their professional responsibility.
Three tiers. All of them more honest than what a breach settlement ever offered.
The tools. No dashboard. No scare-ware.
Someone actually does the work.
The private service that used to cost $500/hour.
No contracts. Cancel anytime. If a restoration takes longer than 30 days, you don't pay for that month. Our incentive is to fix it fast — not keep you subscribed to a problem.
Courts have approved billions of dollars in data breach settlements. In almost every case, the primary "relief" offered to victims is credit monitoring — a passive alert service with a retail value inflated on paper to justify a settlement that actual victims see almost nothing from. The Equifax settlement paid most victims $5.21. The real cost to Equifax: less than $4 per person. The cost to you: your data, your time, your stress, and a frozen bank account that nobody helped you unfreeze.
RFA Restitution exists because someone needs to put an actual dollar value — and an actual team — behind what breach victims are owed. Not an alert. Not a code. A result.
RFA Restitution is in development. Early waitlist members get founding pricing locked for life and first access to the beta.
No. RFA Restitution is a restoration service. Our specialists are CITRMS-certified, not attorneys. For legal representation, you need a lawyer.
You sign a Limited Power of Attorney through the app that authorizes our licensed specialists and AI agents to communicate with creditors and bureaus on your behalf. You can revoke it instantly, any time.
We disclose immediately that we're calling as an authorized representative. If a bank refuses the POA, your specialist escalates to written dispute under FCRA, which banks cannot legally ignore.
We front documented, verified stolen funds while our team pursues the chargeback or wire reversal. If we can't recover it, we work out a repayment plan — we don't pursue victims for losses that were genuinely unrecoverable.
Beta opens late 2026. Waitlist members get first access and founding pricing.
Yes and no. RFA Restitution is a product of Rooted Creative Group LLC, the same company that publishes RFA. Our journalism covers data breaches and consumer rights independently — the newsroom does not direct the product, and the product does not influence the newsroom.