Bank Statement Descriptor

OPTIMAL MAXFraudulent Bank Statement Charge — Hidden subscription trap (Keto/CBD products)

HIGH — 85/100
Typical Amount

$129.88

Community Reports

1

Scam Type

Hidden subscription trap

Last Reported

Yesterday

What is this charge?

Consumers are charged recurring monthly fees for Keto/CBD products under obscure merchant names like "OPTIMAL MAX" after an initial purchase, without clear consent for subscription.

How much does OPTIMAL MAX charge?

The typical charge amount for "OPTIMAL MAX" is $129.88. Victims have reported similar amounts. Check your full statement history for multiple or recurring charges.

Is OPTIMAL MAX a scam?

Yes, "OPTIMAL MAX" is almost certainly fraudulent. With a threat level of 85/100, this charge has been confirmed as a scam by multiple consumer reports.

What to do if you see OPTIMAL MAX 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 "OPTIMAL MAX", 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 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. 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. 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.

Report to FTC

reportfraud.ftc.gov

CFPB Complaint

consumerfinance.gov

IC3 (FBI)

ic3.gov

Frequently Asked Questions

What is "OPTIMAL MAX" on my bank statement?
Consumers are charged recurring monthly fees for Keto/CBD products under obscure merchant names like "OPTIMAL MAX" after an initial purchase, without clear consent for subscription.
Is "OPTIMAL MAX" a scam?
Yes. "OPTIMAL MAX" is classified as a Hidden subscription trap (Keto/CBD products) with a threat level of 85/100 in the TitanAlert database. It has been reported by 1 consumer and is considered high severity.
How much does "OPTIMAL MAX" typically charge?
The typical charge amount for "OPTIMAL MAX" is $129.88. However, amounts may vary. Always check your full statement history for multiple charges.
How do I stop "OPTIMAL MAX" 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 OPTIMAL MAX?

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

Were you charged by OPTIMAL MAX?

Your report helps protect other consumers. Share your experience — amount, date, and resolution.

Report This Charge

Related Fraudulent Descriptors

Other hidden subscription trap (keto/cbd products) descriptors in our database

Cardprotect

🔄Hidden subscription trap / Fraudulent charges

CRITICAL

After a purchase from 'Vern', multiple unauthorized charges appear on the bank statement from various related entities like 'Vernier', 'Venstore', 'Cardprotect', and 'Retrycure'.

Amount varies1 report

BESTPDF

🔄Hidden subscription trap

CRITICAL

Users are charged recurring monthly fees (e.g., £39, €39.95, $40, $45, $56) after an initial low-cost payment (e.g., £2, $0.5, $1) for a one-time service, with reports of refusal to refund and difficulty in cancellation.

$39-$561 report

KP COMMERCE

🔄Unauthorized continuity plan, Hidden subscription trap

CRITICAL

Inferred descriptor from FTC enforcement action against KP Commerce, LLC for unauthorized continuity plans for CBD and Keto-related products.

Amount varies1 report
Back to all descriptors