Bank Statement Descriptor
CHOICE HOME WARRANTY NJ CHOICEFraudulent Bank Statement Charge — Hidden subscription trap / Difficulty cancelling
Varies, often $20-$50 monthly or hundreds annually
1
Hidden subscription trap / Difficulty cancelling
Today
What is this charge?
A descriptor for Choice Home Warranty, often associated with recurring charges that are hard to cancel or dispute, leading to prolonged unwanted subscriptions.
How much does CHOICE HOME WARRANTY NJ CHOICE charge?
The typical charge amount for "CHOICE HOME WARRANTY NJ CHOICE" is Varies, often $20-$50 monthly or hundreds annually. Victims have reported similar amounts. Check your full statement history for multiple or recurring charges.
Is CHOICE HOME WARRANTY NJ CHOICE a scam?
"CHOICE HOME WARRANTY NJ CHOICE" is highly suspicious. Our database rates it 80/100 for fraud risk. Multiple consumers have reported unauthorized charges.
What to do if you see CHOICE HOME WARRANTY NJ CHOICE on your statement
- Freeze your card immediately — Contact your bank to block further unauthorized charges.
- Contact your bank — Call the number on the back of your card to initiate a dispute within 60 days.
- File an FTC report — Report at reportfraud.ftc.gov to create an official record.
Do NOT pay this charge
If you see CHOICE HOME WARRANTY NJ CHOICE on your statement and did not authorize it, contact your bank immediately to dispute it. Do not attempt to contact the merchant directly.
How to Dispute This Charge
- 1
Gather evidence
Take a screenshot of the charge on your statement showing "CHOICE HOME WARRANTY NJ CHOICE", the date, and amount. Save it as a PDF if possible.
- 2
Contact your bank immediately
Call the number on the back of your card or use your bank's app to initiate a dispute. Do this within 60 days of the charge date.
- 3
Use dispute reason: "Unauthorized recurring charge"
Tell your bank you never authorized a subscription. This is covered under Regulation E (debit cards) or the Fair Credit Billing Act (credit cards).
- 4
Cancel at the source
Search your email inbox for any confirmation from this merchant and cancel any linked account. Screenshot the cancellation confirmation.
- 5
Follow up in writing
Send a certified letter to your bank within 10 days of the phone call to create a legal paper trail. Keep the tracking number.
Frequently Asked Questions
- What is "CHOICE HOME WARRANTY NJ CHOICE" on my bank statement?
- A descriptor for Choice Home Warranty, often associated with recurring charges that are hard to cancel or dispute, leading to prolonged unwanted subscriptions.
- Is "CHOICE HOME WARRANTY NJ CHOICE" a scam?
- Yes. "CHOICE HOME WARRANTY NJ CHOICE" is classified as a Hidden subscription trap / Difficulty cancelling with a threat level of 80/100 in the TitanAlert database. It has been reported by 1 consumer and is considered high severity.
- How much does "CHOICE HOME WARRANTY NJ CHOICE" typically charge?
- The typical charge amount for "CHOICE HOME WARRANTY NJ CHOICE" is Varies, often $20-$50 monthly or hundreds annually. However, amounts may vary. Always check your full statement history for multiple charges.
- How do I stop "CHOICE HOME WARRANTY NJ CHOICE" from charging me again?
- To stop future charges: (1) Contact your bank and request a new card number immediately, (2) Dispute all charges as unauthorized, (3) Search your email for any confirmation from this merchant and cancel any accounts, (4) File a complaint with the FTC at reportfraud.ftc.gov.
How many people have reported CHOICE HOME WARRANTY NJ CHOICE?
1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.
Were you charged by CHOICE HOME WARRANTY NJ CHOICE?
Your report helps protect other consumers. Share your experience — amount, date, and resolution.
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