A line reading “D&G SVC PLAN” or “D&G SVC” on your bank or credit card statement is a recurring premium paid to Domestic & General, a company that administers protection plans for home appliances and consumer electronics. The charge usually traces back to an extended service plan offered at checkout when you bought a washer, refrigerator, dishwasher, television, or similar product. You can cancel the plan at any time, and if the charge is unauthorized or kept hitting your account after you canceled, federal rules give you a path to dispute it through your bank.
Why the Charge Says “D&G” Instead of Your Appliance Brand
Domestic & General doesn’t sell appliances. It runs the service plans sold alongside them. When a manufacturer or retailer offers you extended coverage at the point of sale, Domestic & General is often the company behind the paperwork. That’s why the premium posts under its name rather than the brand of the product you actually bought. Partners include Whirlpool, Hisense USA, Bass Pro Shops, and Sportsman’s Warehouse, among others.1Domestic & General. Partner with Us
The timing of the first charge is usually the giveaway. If the debits began a month or two after a big appliance purchase, that purchase is almost certainly the source.
Finding Out Which Plan You Have
Before you cancel or dispute anything, it helps to identify the policy. Domestic & General says you can locate your plan or policy number by logging into your account on their website.2Domestic & General. How to Find Your Plan or Policy Number If you never set up an account, search your email for the original enrollment confirmation, and check for any welcome packet mailed after the purchase.
No paperwork? Call Domestic & General at (866) 333-3134 with your zip code and the card number being charged, and they can look up the account. The date of the first charge on your statement, plus the dollar amount, will help the agent find it quickly.
Canceling the Plan
You can cancel a Domestic & General service plan at any time. Two ways work for every plan:
- Call customer service at (866) 333-3134. Business hours are Monday and Tuesday 8 AM to 8 PM EST, Wednesday through Friday 9 AM to 7 PM EST, excluding federal holidays.
- Write to Domestic & General, PO Box 3646, Greenville, SC 29608.3Domestic & General USA Services LLC. Plan Terms and Conditions
Some plans also allow cancellation through the online account portal. Whichever route you take, write down the date, the name of the person you spoke with, and any confirmation number or email. Domestic & General has 30 days to issue any refund owed. If another charge posts after your cancellation date, that documentation is what you’ll need to reverse it.
What Refund You’re Owed
How much comes back depends on when you cancel and whether you’ve ever used the plan.
Within the first 30 days (the free look period). Cancel within 30 days of the coverage start date without having filed a claim, and you get a full refund of the entire plan fee. Filing a claim during that window ends the free look period early.3Domestic & General USA Services LLC. Plan Terms and Conditions
While the manufacturer’s warranty is still active. You also qualify for a full refund if the original manufacturer warranty on the appliance hasn’t yet expired and you haven’t made any claims under the D&G plan.
After the free look period and manufacturer’s warranty. You get a prorated refund for the unused portion of the plan, minus a cancellation fee. That fee equals the cost of any claims Domestic & General has already paid on your behalf, capped at the total plan fee. If the company spent $200 on a repair and the full plan fee was $300, the cancellation fee is $200 and you receive the unused prorated premium minus that amount.3Domestic & General USA Services LLC. Plan Terms and Conditions
State laws can override these defaults. Several states cap cancellation and administrative fees below what the contract allows, and some require refunds within 30 to 45 days under penalty. If a refund calculation looks wrong, your state attorney general or consumer protection office can tell you what rules apply where you live.
Disputing the Charge With Your Bank
If you don’t recognize the charge, or if charges continue after you canceled, the dispute route depends on how the payment was pulled.
Credit Card Charges
The Fair Credit Billing Act gives you 60 days from the date your card issuer sent the statement containing the charge to dispute it in writing.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The letter has to go to the billing inquiry address on your statement, not the regular payment address. Include your name, account number, the amount in dispute, and why you believe the charge is wrong.
Once the issuer receives your letter, it has 30 days to acknowledge it and up to two billing cycles (no more than 90 days) to resolve the dispute. During the investigation, the issuer can’t try to collect the disputed amount or report it as delinquent. The 60-day window is firm, so if you spot an unauthorized recurring D&G charge, move quickly.
Debit Card or Bank Account Charges
Charges pulled directly from a checking account fall under the Electronic Fund Transfer Act and Regulation E, and the liability rules are stricter. Report an unauthorized transfer within two business days of learning about it, and your maximum liability is $50. Report between two business days and 60 days of receiving the statement, and your exposure rises to $500. Wait past 60 days, and you can be on the hook for the full amount of any further unauthorized transfers.5Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
The practical point: if a D&G debit is hitting a bank account without your authorization, call your bank right away. For charges you originally authorized but want stopped after cancellation, ask the bank to place a stop payment on future Domestic & General debits and give them a copy of your cancellation confirmation.
When Keeping the Plan Might Make Sense
Not every surprise charge is a mistake. If the appliance behind the plan is an expensive one that’s now outside its manufacturer’s warranty, the coverage may be worth the premium. Pull up the terms through your online account or request a copy from Domestic & General, then compare the annual cost against what a typical repair would run. A plan on a $2,000 refrigerator reads differently than the same plan on a $400 microwave. Confirm whether any service call fees or deductibles apply; those vary by plan and partner and change the real cost of keeping the coverage.