From a bill to a refund, in five quiet moves.
The agency's process is intentionally small. Each step takes minutes, not hours. Owly does the work; you make the calls.
File the evidence.
Drop a photo of a bill, paste a statement, or forward an email. Owly accepts PDFs, scans, screenshots, and forwarded receipts.
Owly scans the statement.
Every line item is parsed, normalized, and compared against the company's published rates and your contract terms. Junk fees, silent rate hikes, and misapplied charges get flagged.
A letter is drafted.
Owly writes a dispute letter under your name, citing the exact line items, the regulatory framework, and the requested remedy. You see the full draft before anything sends.
Filed and tracked.
You approve. Owly files the letter and opens the case in your casebook. Every reply, every adjustment, every credit gets logged automatically.
Recovery confirmed.
When the credit clears, the case closes with a verdict in your casebook. If it's denied, Owly proposes the next step — escalate, regulator complaint, or close cleanly.
What we look at.
Every case gets the full treatment.