Bank Statement Descriptor
VALLEY OF MERCH GULF BREEZE FLFraudulent Bank Statement Charge — Card testing/Unauthorized charge
Amount varies
1
Card testing/Unauthorized charge
Yesterday
What is this charge?
A merchant name appearing on statements, potentially linked to card testing activities to verify stolen card information.
How much does VALLEY OF MERCH GULF BREEZE FL charge?
The charge amount for "VALLEY OF MERCH GULF BREEZE FL" varies. Victims have reported different amounts. Always check your full statement history for recurring charges.
Is VALLEY OF MERCH GULF BREEZE FL a scam?
"VALLEY OF MERCH GULF BREEZE FL" is highly suspicious. Our database rates it 70/100 for fraud risk. Multiple consumers have reported unauthorized charges.
What to do if you see VALLEY OF MERCH GULF BREEZE FL 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 VALLEY OF MERCH GULF BREEZE FL 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 "VALLEY OF MERCH GULF BREEZE FL", 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 "VALLEY OF MERCH GULF BREEZE FL" on my bank statement?
- A merchant name appearing on statements, potentially linked to card testing activities to verify stolen card information.
- Is "VALLEY OF MERCH GULF BREEZE FL" a scam?
- Yes. "VALLEY OF MERCH GULF BREEZE FL" is classified as a Card testing/Unauthorized charge with a threat level of 70/100 in the TitanAlert database. It has been reported by 1 consumer and is considered medium-high severity.
- How much does "VALLEY OF MERCH GULF BREEZE FL" typically charge?
- The charge amount for "VALLEY OF MERCH GULF BREEZE FL" varies. Victims have reported different amounts. Check your statement history for recurring charges.
- How do I stop "VALLEY OF MERCH GULF BREEZE FL" 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 VALLEY OF MERCH GULF BREEZE FL?
1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.
Were you charged by VALLEY OF MERCH GULF BREEZE FL?
Your report helps protect other consumers. Share your experience — amount, date, and resolution.
Related Fraudulent Descriptors
Other card testing/unauthorized charge descriptors in our database
FamePay.com
⚠️Test charge, potential card compromise
A small $4.99 charge from FamePay.com is often a test charge by criminals to verify if a credit card is active before making larger fraudulent purchases.
GOOGLE *GOOGLE STORE G.CO/HELPPAY# NS
⚠️Fraudulent charge/Unauthorized use of card details
A large fraudulent charge of $918.65 CAD with the descriptor "GOOGLE *GOOGLE STORE G.CO/HELPPAY# NS" indicates a significant unauthorized transaction, likely due to compromised card details being used for fraudulent purchases.
HARSHIL TOPIWALA
⚠️Unauthorized billing, Credit card laundering, Negative option continuity plan
Inferred descriptor from FTC enforcement action against Harshil Topiwala for unauthorized billing and credit card laundering related to CBD and keto products.