Clockwise Charge on Your Bank Statement: Identify and Dispute

A Clockwise charge on your bank statement most likely comes from one of four unrelated companies that share the name: the Clockwise AI calendar app (acquired by Salesforce and shut down in March 2026), Clockwise coworking spaces in the UK and Europe, Clockwise Credit Union in the UK, or a descriptor labeled “Clockwise International” that has been widely flagged as unauthorized. Which one is billing you depends on the amount, the currency, and whether the charge is recurring. If you don’t recognize it, you have clear rights to identify the source and reverse the charge.

Which Clockwise Is Charging You

The four businesses that commonly appear on statements as “Clockwise” serve very different customers, so the details of your charge usually point to a single source.

Clockwise, the calendar app. Clockwise was an AI scheduling tool used by roughly 40,000 organizations. Salesforce acquired the company, and the service was announced on March 19, 2026 and shut down on March 27, 2026.¹ Because Clockwise sold paid subscription tiers, users who did not cancel before the shutdown may still see recurring US dollar charges tied to getclockwise.com. The company’s shutdown page did not explain whether subscriptions would be automatically stopped or refunded.²

Clockwise, the coworking company. Clockwise Group Limited operates flexible workspaces across the UK and parts of Europe, including Glasgow, Edinburgh, Manchester, Leeds, Bristol, Belfast, Brussels, and Antwerp. Members pay a single monthly fee covering desk access, WiFi, utilities, and business rates. Day passes start at £25, Club Lounge memberships from £125 per month, dedicated desks from £185 per month, and private offices from £225 per workstation per month.³ Memberships run on monthly rolling contracts, and some require a deposit of one to two months.⁴ Recurring charges in British pounds most often trace to this company.

Clockwise Credit Union. This UK credit union issues Visa debit cards through Contis Financial Services Ltd, an e-money provider authorized by the Financial Conduct Authority. Charges from Clockwise Credit Union are typically card transaction fees rather than a subscription — for example, £0.75 for a UK ATM withdrawal or £0.50 plus a percentage for overseas purchases.⁵

“Clockwise International.” Some consumers have reported recurring weekly debit charges of $29.90 from a descriptor reading “Clockwise International.” At least one consumer inquiry indicated the associated website appeared related to job services, though the company itself reportedly denied offering subscriptions.⁶ Charges under this descriptor are frequently flagged as unauthorized.

How to Identify the Charge Before You Dispute

Statement descriptors are often truncated or show a legal entity name rather than the brand you’d recognize. A few steps usually narrow the source down quickly.

Copy the exact descriptor text from your statement and search it in quotation marks online. Forums and merchant databases often match descriptors to specific businesses. Look at the descriptor itself for a phone number or web address — many payment processors embed one. Match the currency and pattern to the four sources above: a recurring GBP charge points to the coworking company or the credit union; a US dollar subscription-style charge points to the calendar app or the “Clockwise International” descriptor.

Search your email — including spam — for receipts matching the amount. Automated billing messages often get filtered. Check whether anyone else authorized to use the card (a partner, a household member, an employee on a corporate card) may have signed up. Cross-check the posted date against activity from 24 to 72 hours earlier, since processing delays shift dates.

If none of that resolves it, your bank can pull the merchant’s full legal name, address, and industry code from the transaction record.

How to Dispute the Charge

If the charge is genuinely unauthorized, federal law protects you. The rules differ depending on whether the charge hit a credit card or a debit card.

Credit Card Charges

The Fair Credit Billing Act caps your liability for unauthorized credit card charges at $50, and many issuers waive even that amount under zero-liability policies. You must dispute the charge in writing within 60 days of the date the statement containing the error was sent. The issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles or 90 days, whichever comes first.⁷ You don’t have to pay the disputed amount while the investigation is pending, but you must keep paying the rest of your bill.

Debit Card Charges

Debit card disputes fall under the Electronic Fund Transfer Act and Regulation E. Your liability depends on how fast you report the problem.⁸

Report a lost or stolen card or PIN within two business days: liability capped at $50 or the amount of the unauthorized transfers, whichever is less.
Report after two business days but within 60 days of the statement: liability can reach $500.
Report after 60 days: you may be liable for the full amount the bank can show would not have occurred with timely reporting.
Card number stolen but card still in your possession: liability is $0 if you notify the bank within 60 days of the statement.⁸

Once notified, the bank generally has 10 business days to investigate (20 business days if the account was opened within the previous 30 days). If it needs longer, it must issue a provisional credit for the disputed amount, minus up to $50, while it keeps investigating. Final resolution is due within 45 calendar days for most transactions, extending to 90 days for foreign transactions, new accounts, or point-of-sale debit purchases.⁹ Your bank cannot make you file a police report or contact the merchant first.¹⁰

How to File the Dispute

Contact your bank or card issuer as soon as you notice the charge, by phone, online, or in person. If you report by phone, the bank may ask for written confirmation within 10 business days; missing that follow-up can disqualify you from receiving a provisional credit during the investigation.⁹ Check your account agreement for the specific dispute-notification address; it often differs from the address you use for payments.¹¹

Still Being Charged by the Calendar App After Its Shutdown

The Clockwise calendar service ceased operations on March 27, 2026, one week after notifying users on March 19, 2026.¹ That window left many subscribers no time to cancel, and the shutdown page did not say whether active subscriptions would end automatically or be refunded.²

If you see a charge from Clockwise or a descriptor tied to getclockwise.com dated after the shutdown, ask your bank to dispute it as unauthorized. Under the Restore Online Shoppers’ Confidence Act, sellers using automatic-renewal billing must obtain express informed consent before charging and provide a simple mechanism to stop recurring charges.¹² A company that has ceased operations and cannot deliver the service has no legitimate basis to keep billing.

Where to Report Fraud Beyond Your Bank

If the charge turns out to be fraudulent, reporting it federally helps regulators track patterns, even though these agencies rarely resolve individual disputes.

File with the FTC online at ReportFraud.ftc.gov or by phone at 877-382-4357. Reports can be filed anonymously, though contact information is recommended. The FTC does not accept file uploads; paste any relevant text into the comments and keep originals for law enforcement.¹³

If your bank does not resolve the dispute to your satisfaction, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. The CFPB will forward the complaint to your financial institution and require a response.¹³

1
Reclaim.ai. Clockwise Shutdown News
2
Clockwise. Clockwise
3
Clockwise. Membership Services
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Clockwise. FAQs
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Clockwise Credit Union. Card Account Terms and Conditions
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JustAnswer. Unauthorized Clockwise International Debit Charges
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Federal Trade Commission. What To Do if You’re Billed for Things You Never Got or You Get Unordered Products
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FDIC. Consumer News
9
Consumer Financial Protection Bureau. How Do I Get My Money Back After I Discover an Unauthorized Transaction
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Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
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OCC. Unauthorized Charge Steps
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Federal Trade Commission. FTC Announces Final Click-to-Cancel Rule
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Federal Trade Commission. ReportFraud FAQ