Total Savings NowFraudulent Bank Statement Charge — Unauthorized discount club membership

What to do if you see Total Savings Now 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 "Total Savings Now", 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 "Total Savings Now" on my bank statement?

Another name used by Hornbeam for their fraudulent discount club, likely appearing as a recurring monthly charge.

Is "Total Savings Now" a scam?

Yes. "Total Savings Now" is classified as a Unauthorized discount club membership 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 "Total Savings Now" typically charge?

The typical charge amount for "Total Savings Now" is $14.00 - $19.95 monthly. However, amounts may vary. Always check your full statement history for multiple charges.

How do I stop "Total Savings Now" 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 Total Savings Now?

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