Trump argues that his fund-raising was done legally.

Trump on Mondayrevealing that his re-election operation had refunded more than 10 percent of what it had raised online — $122 million of $1.2 billion — and that a flood of refunds had come after his campaign set up weekly recurring donations by default for online donors. Contributors had to uncheck a box to opt out, and the box became increasingly hard to find as his campaign’s financial struggles grew.

“Our fundraising efforts, working together with the Republican party, were all done legally,” Mr. Trump said in a statement.

The Times reported that many donors had unwittingly become repeat contributors to Mr. Trump’s campaign because of the prechecked boxes. Retirees, military veterans, nurses and political operatives were among those ensnared. Many complained to their credit card companies and banks that they had been victims of fraud.

Records show that the Trump operation refunded 10.7 percent of what it raised in 2020 on the digital donation-processing site WinRed, compared with

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