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Overpay Owl
Audit faster. Dispute smarter. Recover more.

Your bills are lying.
We're listening.

Upload a bill. The Owl finds the junk fees, drafts the dispute, and tracks the refund. You keep the money.

No credit card Results in 60 sec Free disputes included
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Bills Audited

24

Open Disputes

7

Recovered

$1,840

Comcast Xfinity

Invoice · Apr 2026

3 issues
Internet — 1Gbps$89.99
Broadcast TV fee$21.75
Regional Sports fee$14.40

Dispute letter ready

AI flagged $36.15 in questionable fees

SOC 2 Type II

Audit in progress

AES-256 at rest

TLS 1.3 in transit

GDPR + CCPA

Full data export & erasure

No training on your data

AI opt-in, never default

$4.2M+
clawed back for users¹
38,000+
disputes filed since 2024¹
94%
result in a full or partial refund²
< 60s
average first-audit time

¹ Aggregate user recoveries and dispute filings since program launch (2024–present). ² "Win rate" = at least a partial refund or credit. See our security & methodology page for definitions.

THE DASHBOARD

Your billing command center

Every bill, every dispute, every dollar recovered — all in one place. Here's what you'll see the moment you sign in.

OO
Overpay Owl
Overview
Activity Feed
My Tasks3
Calendar
Messages7
Analytics
AI Assistant
CP

Carter Peters

Admin · Online

Dashboard /Overview
Search pages, users, actions…
3
CP

TUESDAY, APRIL 14

Good afternoon, Carter

Two AI flags surfaced — want a quick brief?

+ New DisputeCalendarAsk Owlie

RECOVERED THIS YEAR

$2,840

+$420 vs last month

Disputes won today

3

+50%

Recovered today

$287

+22%

Active disputes

7

→ flat

AI assists used

12

+40%

Open Disputes (7)

Comcast Xfinity
Pending$51.15
Blue Shield
Resolved$342.00
PG&E
In Review$89.45

Recent Activity

Blue Shield dispute resolved

Refund $342 · 2h ago

Xfinity new flag detected

$14.40 fee · 5h ago

Letter sent to PG&E

Firm tone · Yesterday

AI Assistant

Ask Owlie anything

"Should I dispute my PG&E bill this month?"
Yes — I found a $23.50 gas surcharge exceeding the state cap. I can draft a dispute letter now.
Draft letter →or ask follow-up

Dispute Board

14 disputes tracked

Open

4

In Review

2

Won

8

Comcast

$51.15 disputed

Open

Blue Shield

$342 disputed

Won

AT&T

$18.90 disputed

In Review

Monthly Recovery

$2,840 this year

JFMAMJJA

Best month

Jul · $420

YTD

$2,840

FEATURES

Everything you need to fight back

From upload to refund, every step is handled — no legal knowledge required.

Instant Bill Scanning

Upload any PDF or forward an email. Our parser extracts every line item in seconds — no manual data entry.

AI Overcharge Detection

Claude-powered analysis cross-checks your bill against known fee schedules, contracts, and regulatory caps.

One-Click Dispute Letters

Professionally worded, legally-informed letters generated automatically — ready to send in under a minute.

Recovery Tracking

Track every open dispute, see refund status in real time, and watch your recovered total grow month by month.

Bank-Grade Security

End-to-end encryption, SOC 2 Type II audited infrastructure, and zero data sharing with third-party ad networks.

Automated Follow-ups

Set reminders and let the Owl handle escalation emails when providers go quiet past the response deadline.

HOW IT WORKS

From bill to refund in four steps

1

Upload Your Bill

Drag-and-drop a PDF, forward an email, or connect your account. We accept bills from 200+ providers.

2

AI Audits in Seconds

Our AI model scans every line item, compares against known rates, and flags anything that looks off.

3

Letter Gets Generated

A firm, polite dispute letter is drafted citing specific regulations and company policies — ready instantly.

4

You Get Paid Back

Send the letter with one click. We track the response and escalate automatically if needed.

Real people. Real refunds.

Join thousands of users who stopped accepting surprise charges.

"Got $240 back from my ISP in three days. The letter was so well-written they didn&apos;t even push back."

FD
Freelance designer, CA
Comcast / AT&T audit

"14 abandoned subscriptions. Two oversized seat counts. One annual renewal no one had logged into in 6 months."

AG
12-person agency, NYC
SaaS sprawl audit

"Misclassified rate code on three of four meters. 18 months of refund — plus interest — after one cited dispute."

RG
Restaurant group, TX
Utility demand-charge errors
FREE TO START

Your next bill audit is on us

Create a free account and scan your first bill today. No credit card, no commitment — just results.