CREDIT - UNAUTHORIZED CHARGE REFUNDFraudulent Bank Statement Charge — Unauthorized charge

What to do if you see CREDIT - UNAUTHORIZED CHARGE REFUND on your statement

1. Freeze your card immediately — Contact your bank to block further unauthorized charges.
2. Contact your bank — Call the number on the back of your card to initiate a dispute within 60 days.
3. File an FTC report — Report at reportfraud.ftc.gov to create an official record.

How to Dispute This Charge

1. 1

   Gather evidence

   Take a screenshot of the charge on your statement showing "CREDIT - UNAUTHORIZED CHARGE REFUND", the date, and amount. Save it as a PDF if possible.

2. 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. 3

   Use dispute reason: "Unauthorized charge"

   State clearly that you did not authorize this charge and have no relationship with this merchant.

4. 4

   File a complaint with the CFPB

   Submit at consumerfinance.gov/complaint — CFPB complaints are forwarded to your bank and require a formal response within 15 days.

5. 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 "CREDIT - UNAUTHORIZED CHARGE REFUND" on my bank statement?

A descriptor indicating a refund for an unauthorized charge, suggesting a previous scam or billing error.

Is "CREDIT - UNAUTHORIZED CHARGE REFUND" a scam?

Yes. "CREDIT - UNAUTHORIZED CHARGE REFUND" is classified as a Unauthorized charge with a threat level of 60/100 in the TitanAlert database. It has been reported by 1 consumer and is considered medium severity.

How much does "CREDIT - UNAUTHORIZED CHARGE REFUND" typically charge?

The typical charge amount for "CREDIT - UNAUTHORIZED CHARGE REFUND" is $33.00. However, amounts may vary. Always check your full statement history for multiple charges.

How do I stop "CREDIT - UNAUTHORIZED CHARGE REFUND" 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 CREDIT - UNAUTHORIZED CHARGE REFUND?

1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.