A BAFFSASSHOP charge on your bank or credit card statement is the billing descriptor used by Bass Pro Shops, which also owns Cabela’s. If you or someone with access to your card recently shopped at either retailer, in a store or online, that’s almost certainly what it is. The label looks nothing like a store name, which is why it startles people, but a quick check of recent receipts usually clears it up.
Why the Descriptor Doesn’t Match the Store Name
Bass Pro Shops and Cabela’s are run by the same parent company, Great American Outdoors Group, which also controls White River Marine Group and boat brands including Tracker, Nitro, and Ranger Boats.1SEC.gov. Sportsman’s Warehouse to Join Great American Outdoors Group Because payments route through a centralized processor, your bank often displays the corporate back-end name instead of the storefront. A purchase from a Cabela’s location, an order from basspro.com, or a boat accessory bought through an affiliated brand can all post as BAFFSASSHOP.
Purchases That Commonly Trigger the Charge
In-store purchases sometimes show a city name alongside the descriptor, but online and phone orders almost always default to the corporate label. The usual sources:
- Orders placed through basspro.com or cabelas.com.
- Split or backordered shipments from a single order. Items shipping from different warehouses generate separate transactions, so one order can produce two or three BAFFSASSHOP entries of different amounts.
- Cabela’s CLUB Mastercard activity. Monthly interest charges and related fees post under the corporate name rather than a recognizable card label. The card’s variable rate currently ranges from about 19.49% to 30.49%.
- Separate shipping or transit insurance fees on high-value items like firearms, optics, or boat parts.
One exception worth noting: if you financed a purchase at a Bass Pro location through a third-party service like Progressive Leasing, that payment typically appears under the financing company’s own descriptor, not BAFFSASSHOP.
How To Verify the Charge Before Disputing
Start with the amount and the date. Search your email for order confirmations from Bass Pro Shops or Cabela’s and compare the totals. Tax and shipping can turn a $47.99 item into a $54.16 charge, so don’t rule out a match on a small difference. If you have an account at basspro.com, the guest order lookup lets you pull past purchases with your email and order number.2Bass Pro Shops. Order Lookup
Then check with anyone else who uses the card. Authorized users and family members who know your debit PIN are the single most common source of “unauthorized” charges that turn out to be legitimate. A spouse buying a camp stove or a teenager ordering fishing tackle can easily produce a charge you don’t recognize. Ask before you dispute.
If nothing matches, pull the transaction ID and exact amount from your bank’s online portal, then call Bass Pro Shops customer service at 1-800-227-7776, open daily from 6 a.m. to 11 p.m. Central. The same line handles both Bass Pro and Cabela’s inquiries. For non-urgent questions, the email is customer.service@basspro.com; for Cabela’s CLUB credit card issues, it’s marketing@basspro.com.3Bass Pro Shops. How Do I Contact Bass Pro Shops or Cabela’s Ask the representative to look up any orders tied to your payment method. If they can’t find a matching purchase, that’s your cue to file a formal dispute with your bank.
Disputing an Unauthorized Charge on a Credit Card
If the charge hit a credit card, the Fair Credit Billing Act gives you 60 days from the date the statement was sent to submit a written dispute identifying the charge and explaining what’s wrong.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Most banks accept disputes through their app or website, which satisfies the written notice requirement.
Once the dispute is filed, the issuer must acknowledge it in writing within 30 days and complete the investigation within two full billing cycles, capped at 90 days.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors During the investigation, the issuer can’t try to collect the disputed amount or report it as delinquent.
Your maximum liability for unauthorized credit card use is $50, and most major issuers voluntarily waive even that.5Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card Genuinely fraudulent credit card charges almost always get fully reversed.
Disputing a Charge on a Debit Card
Debit cards run under a different law with tighter deadlines and higher potential exposure. Under the Electronic Fund Transfer Act, your liability for unauthorized debit charges depends on how fast you report the problem:6Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability for Unauthorized Transfers
- Reported within 2 business days of discovering the fraud: liability capped at $50 or the amount of the unauthorized transfer, whichever is less.
- Reported after 2 business days but within 60 days of your statement: liability can climb to $500.
- Reported more than 60 days after the statement date: you could be on the hook for the full amount of any unauthorized transfers that occur after that 60-day window.
The two-business-day clock starts when you learn about the loss or theft, not when the charge posts. For debit disputes, your bank must also issue a provisional credit within 10 business days of a written dispute, which returns the money to your account while the investigation runs.7Consumer Financial Protection Bureau. Liability of Consumer for Unauthorized Transfers Credit card disputes don’t include a guaranteed provisional credit; the issuer simply can’t try to collect while investigating. If you carry both types of cards, unauthorized charges are far less painful on the credit side.
If the Charge Is for an Order That Never Arrived
Sometimes the charge is legitimate but the merchandise hasn’t shown up. The FTC’s Mail, Internet, or Telephone Order Merchandise Rule requires a seller to ship within the timeframe stated at checkout, or within 30 days if no estimate was given.8eCFR. 16 CFR Part 435 – Mail, Internet, or Telephone Order Merchandise
If the seller can’t meet that deadline, they must notify you of the delay and give you a choice: consent to a revised shipping date or cancel for a prompt refund. If you don’t respond and the delay exceeds 30 days past the original deadline, the seller must treat the order as canceled and refund you automatically.8eCFR. 16 CFR Part 435 – Mail, Internet, or Telephone Order Merchandise When the purchase was financed through in-house credit, the seller has 50 days instead of 30. If Bass Pro Shops charged your card for something that never shipped and customer service can’t resolve it, this rule gives you an independent basis to demand a refund or escalate to a card dispute.