A Baldwin Cooke charge on your credit or debit card statement almost always comes from a purchase of promotional products, most commonly corporate pocket calendars, custom planners, branded apparel, drinkware, pens, or gift sets. Baldwin Cooke is a division of Taylor DM Brands, Inc., so the descriptor on your statement may read either “Baldwin Cooke” or “Taylor DM Brands.”1Baldwin Cooke. Terms of Use If you don’t recognize the charge, the fastest way to identify or resolve it is to call customer support at 1-800-762-5000 or email cs@baldwincooke.com.2Baldwin Cooke. Frequently Asked Questions
Why the Charge Might Not Look Familiar
Baldwin Cooke sells primarily to businesses, not to individual consumers. A common scenario looks like this: someone at the office orders company-branded calendars or gifts in bulk, the corporate card routes to a personal account, and the cardholder doesn’t connect “Baldwin Cooke” or “Taylor DM Brands” to that order. Two addresses may also appear alongside the charge. The corporate address is PO Box 312, Gloversville, NY 12078, and the billing and legal address is 1725 Roe Crest Drive, North Mankato, MN 56003.1Baldwin Cooke. Terms of Use
The dollar amount can also throw people off. A Baldwin Cooke order can include shipping and handling, a $29.95 one-time logo imprint fee, $1.99 per item for individual name personalization, $14.95 per order for company-name or message imprinting, and proofing fees of $5 for a digital proof or $25 for a physical one.2Baldwin Cooke. Frequently Asked Questions Sales tax applies to orders shipped to New York or Washington. The company also reserves the right to ship and bill up to five percent over or under the quantity ordered, so the total may not match a round number you were expecting.
Contact Baldwin Cooke First
If you think the charge is wrong or you didn’t authorize it, start with the company directly. Baldwin Cooke advertises a “100% Satisfaction Guarantee” and says it will replace, credit, or refund an order if a customer is not satisfied.3Baldwin Cooke. Satisfaction Guarantee No specific return deadline or restocking fee is listed in the company’s publicly available policies. Reach customer support at 1-800-762-5000 or cs@baldwincooke.com. Have the statement descriptor, the exact amount, and the posting date ready; if the order was placed by a coworker, the company can often trace it from a shipping address or a corporate account name.
Disputing the Charge With Your Credit Card Issuer
If the company doesn’t resolve it, or if you believe the charge is unauthorized, you can dispute it with your card issuer. The Fair Credit Billing Act lets you dispute billing errors on a credit card, including charges for items you never received or never ordered, in writing within 60 days of the date the statement containing the charge was sent to you.4Federal Trade Commission. What To Do if Youre Billed for Things You Never Got or You Get Unordered Products Send the letter to the address your card company designates for billing errors, not the regular payment address.
After receiving your written notice, the issuer must acknowledge it within 30 days and resolve the dispute within two billing cycles, up to a maximum of 90 days.5Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill While the investigation is open, you don’t have to pay the disputed amount or any finance charges tied to it.
Debit Card Disputes Work Differently
Federal protections for debit cards are not as strong as they are for credit cards. Contact your bank as soon as you see the charge, and follow up in writing. Some banks offer voluntary dispute protections that mirror credit card rules, but this varies by institution.4Federal Trade Commission. What To Do if Youre Billed for Things You Never Got or You Get Unordered Products
If the Balance Goes Unpaid
Baldwin Cooke’s terms of use let the company assess a late fee on past-due balances equal to 1.5 percent per month or the highest rate permitted by law, whichever is less.1Baldwin Cooke. Terms of Use If the account goes to collections, the customer agrees under those terms to cover collection costs, attorneys’ fees, and court costs. Disputes are subject to Minnesota law and must be filed individually in state or federal court in Nicollet County, Minnesota, within one year of the claim arising. There is no binding arbitration clause, but the terms do bar class-action lawsuits.