A charge listed as “www blainsfarm&fleet com” on your credit card statement comes from the online store of Blain’s Farm & Fleet, a Midwest retail chain run by Blain Supply, Inc. of Janesville, Wisconsin.1Blain’s Farm & Fleet. Blain’s Farm & Fleet of Janesville, Wisconsin The payment processor formats the merchant’s web address (farmandfleet.com) as the billing descriptor, which is why the entry reads like a URL rather than a store name. If you don’t recognize it, the charge almost always traces back to one of three things: an online order you or someone in your household placed, a temporary pre-authorization hold, or an Auto-Ship subscription that is still billing on a schedule.
The Three Usual Causes
A Forgotten Online Order
Blain’s charges the payment method at the time an order is placed on farmandfleet.com.2Blain’s Farm & Fleet Rx. Terms of Use The site accepts credit cards, debit cards, PayPal, and Google Pay, and payments run through a third-party PCI-compliant processor.3Blain’s Farm & Fleet. Conditions of Use / Legal Notice Check with anyone else who uses the card before assuming the charge is unauthorized.
A Pre-Authorization Hold
Blain’s places a payment authorization hold roughly 24 hours before a scheduled shipment. Its terms state the hold “is not an actual charge,” but it appears as a pending transaction and can reduce available credit until it drops off. Once the order ships, the final charge replaces the hold. In the company’s own example, a $36 hold placed on May 10 is replaced by a $36 charge on May 11 when the order ships, and only one $36 charge actually posts.4Blain’s Farm & Fleet Rx. Terms of Use Seeing two identical amounts for a day or two is normal during that overlap.
An Active Auto-Ship Subscription
Blain’s Farm & Fleet Rx runs an Auto-Ship program for recurring delivery of items like pet medications. Once you enroll, the program automatically generates new orders at the interval you selected and charges your stored payment method each cycle without asking for fresh authorization.5Blain’s Farm & Fleet Rx. Terms of Use If the primary card fails, Blain’s may attempt to bill another payment method on file.6Blain’s Farm & Fleet Rx. Terms of Use This is the most common source of surprise charges, because a subscription set up months earlier keeps billing until you cancel it.
Cancel or Edit an Auto-Ship
Blain’s sends a pre-shipment email up to 72 hours before each scheduled ship date.5Blain’s Farm & Fleet Rx. Terms of Use To stop the subscription entirely, log in to your account, open the “My Account” tab, and go to “My Autoship.” The subscription stays active until you cancel it.6Blain’s Farm & Fleet Rx. Terms of Use An individual upcoming shipment can be edited or canceled any time between the pre-shipment email and midnight the day before the ship date.
Contact Blain’s About the Charge
The quickest way to identify or refund a charge is to call Blain’s customer service at 800-210-2370 or email h3@blainsupply.com. A representative can look up the transaction, tell you whether it came from a one-time order or an Auto-Ship cycle, and start a refund if one is warranted. Refunds for online purchases go back to the original payment method used for the order.7Blain Supply, Inc. Return Form
Dispute an Unauthorized Charge With Your Card Issuer
If Blain’s cannot resolve the charge and you believe it is unauthorized, federal law gives you a formal dispute process. Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50.8Federal Trade Commission. Using Credit Cards and Disputing Charges To preserve your full protections, send written notice of the dispute to your card issuer within 60 days of the statement that contains the charge.9Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill The issuer must acknowledge the dispute within 30 days and resolve it within 90 days. While the dispute is pending, you do not have to pay the disputed amount, and the issuer cannot report it as delinquent.