A bplus.co charge on your statement comes from BPlus, a Tampa, Florida company that bills online subscriptions, and it almost always traces back to a free or low-cost trial offer that converted into a recurring monthly charge. Typical amounts run from roughly $30 to $50 per month. If you don’t recognize it, you can cancel the subscription with the merchant, dispute the charge with your card issuer, and block any further billing.
What the Charge Is
“bplus.co” is a merchant billing descriptor, not the brand you saw at signup. The company processes payments for online subscription products, often in the health and wellness category, so the name that lands on your statement rarely matches the product page you ordered from. That mismatch is the source of most of the confusion. The company has drawn a pattern of complaints from consumers who say they signed up for a trial and later found full-price charges they didn’t expect.
Why It Showed Up
The usual path looks like this. You entered your card online to receive a sample or trial, often for a small shipping fee of a few dollars. The terms of that offer included a clause saying that if you didn’t cancel within a specific window, your card would be billed at the full subscription price. Those windows can be short, sometimes 14 days, and the first full-price charge often arrives before the trial feels like it’s over.
If you’re certain you never signed up for anything connected to bplus.co, don’t assume it’s a billing mix-up. Treat it as possible card fraud and go straight to your card issuer rather than through the merchant.
How to Cancel the Subscription
Before you call, pull together the details a support agent will need: the date the charge posted, the dollar amount, the last four digits of the card, any email address you may have used at signup, and the transaction ID if one appears next to the descriptor. Your bank’s app will show most of this.
Phone numbers associated with the merchant include (888) 803-5108 and (877) 639-1554. Ask for immediate cancellation of any recurring subscription and request written confirmation by email. If you reach the company through an online form or email instead, include the same account details and state clearly that you are revoking authorization for future charges. Keep copies of everything. A legitimate merchant will confirm within a day or two. If confirmation doesn’t come, that silence is useful evidence for the next step.
Disputing the Charge With Your Bank
If the merchant ignores your cancellation, refuses a refund, or you believe you never authorized the charge, contact your card issuer. The deadline matters: under the Fair Credit Billing Act, your written dispute must reach your credit card issuer within 60 days of the statement date on which the charge first appeared.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The issuer must acknowledge the dispute within 30 days and resolve it within two billing cycles, not to exceed 90 days. During the investigation, the issuer can’t report the disputed amount as delinquent or try to collect it.
Debit cards work differently. Federal rules let you stop future preauthorized recurring transfers by notifying your bank at least three business days before the next scheduled payment.2eCFR. 12 CFR 1005.10 – Preauthorized Transfers Your bank may ask you to follow up with written confirmation within 14 days of the call, so do both. Once authorization is revoked, further charges from that merchant are treated as errors and you can request a refund.3Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account Banks typically charge $20 to $35 for a stop-payment order, which is worth paying if the alternative is an ongoing monthly charge you can’t shake.
The Federal Rule Behind the Dispute
The Restore Online Shoppers’ Confidence Act governs this kind of online negative-option billing. An online seller cannot charge you through a negative-option feature unless it clearly discloses all material terms before collecting your billing information, obtains your express informed consent before charging, and provides a simple way to stop recurring charges.4Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet If the merchant skipped any of those steps when you signed up, the charge may violate federal law, and that’s a point worth raising both with the merchant and with your card issuer during a dispute.
Reporting the Merchant
You can report the company to the Federal Trade Commission at ReportFraud.ftc.gov.5Federal Trade Commission. Getting In and Out of Free Trials, Auto-Renewals, and Negative Option Plans A single complaint won’t produce an individual investigation, but the FTC uses complaint data to spot patterns. State attorneys general also take deceptive billing complaints, and many states have their own automatic-renewal statutes that go beyond federal law.
Keeping It From Happening Again
The trial-to-subscription trap works because you hand over a real card number at signup and then forget the cancellation window. A few habits make it much harder to fall for twice.
- Use virtual card numbers if your issuer offers them. You can generate a unique number for each merchant and revoke it if a cancellation doesn’t stick.
- Turn on transaction alerts for every charge, including small ones. Trial offers often open with a charge under $2, and catching it immediately is your cue to set a cancellation reminder.
- Calendar the cancellation date two days before the trial ends, not the day of. Some merchants process the renewal early.
- Read the checkout page before entering payment details. Federal law requires the merchant to disclose what happens after the trial, and if you can’t find those terms, treat it as a reason not to sign up.4Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet
None of this guarantees you’ll never see another unfamiliar charge, but it shortens the window in which a forgotten trial can turn into months of billing before you notice.