How does Warnvo scan bills?

Take a photo of any bill — hotel, medical, restaurant, contractor — and Warnvo's AI analyzes it in seconds. It identifies overcharges, junk fees, and illegal charges, then generates a ready-to-send dispute letter.

What languages does Warnvo support?

Warnvo works in 95 languages. You can scan bills in any language — Japanese, Arabic, Spanish, Portuguese, French, German, Thai, and 87 more — and receive results in your preferred language.

Can Warnvo detect scam texts and emails?

Yes. Warnvo's Scam Detector analyzes text messages, emails, and phishing links before you click. It catches fake FedEx texts, fake bank alerts, IRS scams, and smishing attempts.

Is Warnvo different from ChatGPT?

Yes. Warnvo is trained specifically on consumer protection law — not general knowledge. It knows the specific laws, regulations, and consumer rights that apply to your situation, and generates legally-grounded dispute letters you can actually send.

How much does Warnvo cost?

Warnvo offers a free tier with 3 scans per day. Pro is $19.99/month or $149.99/year for unlimited scans. Family Shield covers up to 6 people for $14.99/month.

Can Warnvo help with medical bills?

Yes. Warnvo's Medical Bill Analyzer identifies billing errors, upcoding, duplicate charges, and services never rendered. It generates a dispute letter referencing the specific billing codes and regulations that apply.

Scan Any Bill. Catch Junk Fees. Generate Dispute Letters Instantly.

Warnvo is the world's first AI consumer protection app. Snap a photo of any bill — hotel, medical, restaurant, contractor, auto repair — and Warnvo's AI analyzes every line item in seconds. It flags overcharges, junk fees, and illegal charges, then generates a ready-to-send dispute letter. Works in 95 languages across any country.

34 Specialized AI Tools for Consumer Protection

Hotel Bill Analyzer, Medical Bill Checker, Restaurant Receipt Scanner, Auto Repair Bill Analyzer, Contractor Bill Checker, Scam Detector, SMS Scam Detector, Phishing Email Detector, QR Code Scanner, Lease Analyzer, Bank Fee Analyzer, Insurance Claim Analyzer, Medicare Bill Checker, Paycheck Stub Analyzer, Credit Report Analyzer, Student Loan Analyzer, Gig Worker Fee Analyzer, HOA Fee Analyzer, Utility Bill Checker, Security Deposit Dispute, Prescription Price Checker, Timeshare Exit Advisor, Crypto Scam Detector, Dark Pattern Detector, Fake Job Offer Detector, Subscription Tracker, Negotiation Script Generator, Price Drop Tracker, Return Policy Analyzer, Warranty Tracker, Tip Fraud Detector, Delivery Scam Detector, Before You Sign Contract Analyzer, Junk Fee Calculator.

How Warnvo Works

Step 1: Take a photo of your bill or paste the text. Step 2: Warnvo's AI analyzes every line item against fair market rates and consumer protection law. Step 3: Get a full report flagging suspicious charges. Step 4: Download a ready-to-send dispute letter referencing the exact laws that protect you.

Works in Any Language, Any Country

Warnvo reads bills in Japanese, Spanish, French, German, Portuguese, Italian, Arabic, Thai, Chinese, Korean, and 85 more languages. Whether you're disputing a hotel fee in Tokyo, a restaurant charge in Rome, or a medical bill in the United States, Warnvo applies local market benchmarks and the consumer protection laws that apply to your situation.

Dispute Hotel Bills, Medical Bills, and More

Hotel junk fees — resort fees, destination fees, amenity fees — are among the most common consumer complaints. Warnvo's Hotel Bill Analyzer flags every suspicious charge and generates a dispute letter you can hand to the front desk or send to the hotel's billing department. Medical bill errors affect 1 in 5 patients. Warnvo's Medical Bill Checker identifies upcoding, duplicate charges, and services never rendered.

ShieldEngine™ · Live demo below

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Upload a bill, letter, or contract. ShieldEngine™ reads every line against the specific law that applies — and drafts your response in about ninety seconds. Watch it work below.

warnvo.com / scan / letter

SCANNING · Ace Collections · Notice #38291

Ace Collections LLC

220 Legal Plaza · Delaware, OH 43015 · [email protected]

Account #38291

April 12, 2026

Dear Mr. Jordan,

Our records indicate an outstanding balance of $4,217.80 on the above-referenced account, originally owed to Capital Medical Group.

We will pursue legal action if payment is not received within 10 days of this notice.

A judgment against you could result in wage garnishment and the addition of court fees to your balance.

This account is past due and collection efforts will continue until resolved. You must remit payment immediately to avoid further action.

Payment may be made by certified check, money order, or online at acecollections.com/pay.

Regards,
Collections Department — Ace Collections LLC

FDCPA check0 violations

Threat of legal actionViolation

FDCPA §807(5)

Threatening to take legal action the collector cannot take or does not intend to take is a prohibited debt collection practice.

Threat of wage garnishmentViolation

FDCPA §807(4)

Representing that nonpayment will result in garnishment or court action is prohibited unless legal action is actually intended.

Missing debt validationViolation

FDCPA §809(b)

Continued collection activity without providing debt validation upon request is a §809(b) violation. Request for validation was filed April 4.

Balance claimed$4,217.80

Violations caught3

Response readyDefensive posture

Three violations. Demand-for-validation letter drafted.

Demo runs automatically. Click Replay to see it again.

The response ShieldEngine™ drafted.

Ready to send · 47 seconds

DRAFT · ShieldEngine™

April 14, 2026

Ace Collections LLC

Attn: Collections Department

220 Legal Plaza

Delaware, OH 43015

Re: Account #38291 — Formal Dispute and Validation Request

To whom it may concern:

I write in response to your notice dated April 12, 2026, regarding Account #38291 and an alleged balance of $4,217.80. Pursuant to the Fair Debt Collection Practices Act, I dispute this debt in full and request formal validation.

Your notice violates FDCPA §807(5) by threatening legal action — specifically, the statement that you "will pursue legal action" — when your office has filed no suit and provides no evidence of intent to sue.

Your notice further violates FDCPA §807(4) by threatening wage garnishment. Wage garnishment cannot lawfully occur without a judgment. Your notice presents it as an automatic consequence, which is a material misrepresentation.

As of the date of this letter, I have received no validation of this debt despite my written request of April 4, 2026. Continued collection activity during a pending validation request violates FDCPA §809(b).

Cease all collection activity on this account until you provide full validation as required by law. I reserve all rights to statutory damages under 15 USC §1692k for the violations above, which may total up to $3,000 across three separate §807 and §809 violations.

Sincerely,

[Signature]

M. Jordan

Letter actions

What this letter does

Disputes the debt and requests validation

Cites 3 FDCPA violations with statute numbers

Reserves rights to $3,000 statutory damages

Generated in 47 seconds · ShieldEngine™ 4.2

— Every statute we know —

Twenty-plus federal and state laws. Cited in every letter.

Every violation ShieldEngine™ catches gets tied to a specific statute. Hover any law below — we'll show you exactly how it catches one.

FDCPA §807(5)LIVE EXAMPLE

Threatening legal action the collector cannot or does not intend to take.

Caught: Ace Collections threatened legal action in Notice #38291. No suit filed, no intent shown.

FDCPA §807FDCPA §809FCRA §1681No Surprises ActTILA §226CFPB Rule 1006FTC Act §5DOT Part 259HIPAA §164ERISA §502State consumer lawCAN-SPAM ActCARES Act §4022CROA §1679ECOA §1691TCPA §227FACTA §1681cState SOLFDIC Part 345Fair Housing Act

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Warnvo is not a law firm. ShieldEngine™ is not a lawyer. Letters generated are not legal advice.

Warnvo — ShieldEngine™ Consumer Protection | Scan Bills & Fight Fraud