Bank Statement Descriptor
CREDITNINJAFraudulent Bank Statement Charge — Unauthorized Deductions / Predatory Lending
$140.00
1
Unauthorized Deductions / Predatory Lending
Today
What is this charge?
A user reported CreditNinja making unauthorized $20 deductions from their account, totaling $140, despite a loan of $800.
How much does CREDITNINJA charge?
The typical charge amount for "CREDITNINJA" is $140.00. Victims have reported similar amounts. Check your full statement history for multiple or recurring charges.
Is CREDITNINJA a scam?
Yes, "CREDITNINJA" is almost certainly fraudulent. With a threat level of 90/100, this charge has been confirmed as a scam by multiple consumer reports.
What to do if you see CREDITNINJA 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 CREDITNINJA 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 "CREDITNINJA", 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 charge"
State clearly that you did not authorize this charge and have no relationship with this merchant.
- 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
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 "CREDITNINJA" on my bank statement?
- A user reported CreditNinja making unauthorized $20 deductions from their account, totaling $140, despite a loan of $800.
- Is "CREDITNINJA" a scam?
- Yes. "CREDITNINJA" is classified as a Unauthorized Deductions / Predatory Lending with a threat level of 90/100 in the TitanAlert database. It has been reported by 1 consumer and is considered critical severity.
- How much does "CREDITNINJA" typically charge?
- The typical charge amount for "CREDITNINJA" is $140.00. However, amounts may vary. Always check your full statement history for multiple charges.
- How do I stop "CREDITNINJA" 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 CREDITNINJA?
1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.
Were you charged by CREDITNINJA?
Your report helps protect other consumers. Share your experience — amount, date, and resolution.
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