A Calcenjy charge on your credit card is a recurring billing entry tied to calcenjy.fans, a website that security analysts have flagged as likely fraudulent. If you see it on your statement and don’t remember signing up for anything, treat it as an unauthorized transaction: call the number on the back of your card, ask for a chargeback, and request a replacement card number.
What Calcenjy.fans Is
Calcenjy.fans presents itself as a provider of IT and customer support services, such as anti-virus installation and printer setup. The threat-intelligence service Bfore.ai has flagged the site as malicious, and Scamadviser gave it a trust score of 4 out of 100, warning that it matches the profile of tech-support scams that push users to call expensive phone numbers or buy unnecessary software. The domain was registered in May 2024 through an organization called Masterswitch Inc.
Consumer reports on JustAnswer describe recurring, unauthorized charges appearing on Mastercard statements under the “Calcenjy.Fans” descriptor, from cardholders who say they never heard of the site or created an account. Some report being billed for multiple accounts at once.1JustAnswer. Mastercard Charges Calcenjy Fans
What to Do Right Now
The priority is stopping future charges and getting the current one reversed.
- Call your card issuer using the number on the back of the card. Report the charge as unauthorized, ask that the card be blocked and reissued with a new number, and request a chargeback. Federal law caps your liability for unauthorized credit card charges at $50, and most major issuers waive even that under zero-liability policies.2Federal Trade Commission. Using Credit Cards and Disputing Charges
- Scan recent statements for other unfamiliar entries. Scammers sometimes run a small test charge before attempting larger ones.3Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud
- Check the subscription settings on your Apple ID, Google account, or any app store linked to the card. Reviewers of Calcenjy complaints suggest the charges may be tied to saved payment information on a device such as an iPad or phone. Remove unfamiliar payment methods and cancel any subscription you don’t recognize.1JustAnswer. Mastercard Charges Calcenjy Fans
- Update passwords on your email, banking, and app-store accounts, and turn on two-factor authentication where you can.
- Place a fraud alert with one of the three major credit bureaus: Equifax (1-800-525-6285), Experian (1-888-397-3742), or TransUnion (1-800-680-7289). That bureau will notify the other two. A fraud alert lasts one year and requires lenders to verify your identity before opening new credit in your name.3Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud
- Report the fraud to the FTC at ReportFraud.ftc.gov and, if it’s internet-related, to the FBI’s Internet Crime Complaint Center at ic3.gov. You can also file a complaint with the Consumer Financial Protection Bureau online or at (855) 411-2372.4Consumer Financial Protection Bureau. Consumer Financial Protection Bureau – Homepage
Your Dispute Rights and Deadlines
Under the Fair Credit Billing Act and Regulation Z, you have 60 days from the date your issuer sends the statement containing the error to submit a written dispute. Send it to the billing-inquiries address your issuer designates, not the general payment address, and include your name, account number, the date and amount of the charge, and why you believe it’s unauthorized.2Federal Trade Commission. Using Credit Cards and Disputing Charges
Once the issuer receives your dispute, it must acknowledge it in writing within 30 days and resolve it within two complete billing cycles, no more than 90 days.5Consumer Financial Protection Bureau. Regulation Z Section 1026.13 While the investigation is open, the issuer cannot try to collect the disputed amount, charge interest on it, or report you as delinquent for that amount.6California Department of Justice. Credit Cards – Dispute a Charge
If you miss the 60-day federal window, call anyway. Visa and Mastercard network rules generally allow chargebacks up to 120 days after the transaction date.7Federal Reserve Bank of Philadelphia. Consumer Protection Paper – Credit and Debit Card
Why These Charges Are Illegal
Billing consumers for a subscription they never agreed to violates Section 5 of the FTC Act and the Restore Online Shoppers’ Confidence Act.8Federal Trade Commission. How to Stop Subscriptions You Never Ordered The FTC continues to bring enforcement actions against companies that use these practices, and roughly 30 states have their own automatic-renewal laws that provide additional protection.9Federal Trade Commission. Negative Option Rule That backdrop matters for your dispute: you don’t have to prove intent or track down the operator. The charge is unauthorized, and that’s the ground on which your issuer will reverse it.