A FINFYUS or FINFY.US charge on your bank statement comes from a company called Financeify, which runs the website finfy.us and bills recurring monthly fees (commonly around $39.99) for a credit-related subscription. Many account holders don’t remember signing up. To stop it, cancel the subscription with Financeify, then dispute any charges you didn’t authorize with your bank. The 60-day deadline for disputes matters, so act quickly.
What Financeify Is
Financeify is not a bank or a lender. It operates as a middleman that collects subscription fees for ongoing access to credit-related tools, and it registers the merchant name that your bank then displays as FINFYUS or FINFY.US. Consumer complaints describe being enrolled in the service after applying for a loan through a third-party website, getting denied, and being routed into a paid Financeify subscription without clear consent.
Why the Charge Showed Up
The usual trigger is a loan application submitted through a third-party lending marketplace. When the loan is declined, some platforms redirect applicants to affiliated subscription services. A click meant to continue the loan process can authorize a recurring charge for a separate product.
These charges often follow a trial-to-paid pattern. A small initial charge, or even a $0.00 authorization, appears first. A larger recurring fee then kicks in if the subscription isn’t canceled within a short trial window. Consumer reports show monthly charges of $39.99, though amounts can vary. Payments typically run as debit card transactions or ACH transfers, and they continue every month until actively canceled.
Federal law prohibits this style of billing unless the seller clearly discloses all terms before taking your payment information, gets your express consent before charging you, and provides a simple way to cancel. Those requirements come from the Restore Online Shoppers’ Confidence Act, which targets internet subscriptions that auto-renew or use negative-option billing.1Congress.gov. Restore Online Shoppers’ Confidence Act If you were never clearly told about the subscription or never affirmatively agreed to it, the charge may violate federal law regardless of what the company’s terms of service say.
Cancel the Subscription First
Before you call your bank, cancel the subscription itself so new charges stop. Contact Financeify through the channels listed on finfy.us. Submit the cancellation in writing, by email or website form, so you have a record. Ask for a cancellation confirmation number or written acknowledgment that the subscription has been terminated, and save everything.
If the company drags out the process by requiring phone calls during limited hours, pushing you through retention screens, or ignoring your messages, that behavior may itself violate federal law. Under the Restore Online Shoppers’ Confidence Act, cancellation must be simple and available through the same method used to sign up.1Congress.gov. Restore Online Shoppers’ Confidence Act If you signed up online, the company must let you cancel online.
Consumer reports indicate Financeify has offered partial refunds, in some cases as low as 25%, even after cancellation requests. You don’t have to accept a partial refund. If you believe the charges were unauthorized, dispute them with your bank.
Dispute the Charges With Your Bank
Before you call, pull up your bank’s online portal and find every FINFYUS charge, including the date each one posted and the exact dollar amount. Screenshot them. If a transaction ID appears in the detail view, note it. Search your email for anything from Financeify, finfy.us, or any loan platform you used around the time charges started. A welcome email or terms acknowledgment helps; finding nothing also helps, since it supports the claim that you never knowingly enrolled.
Which law protects you depends on how the charges hit your account.
Debit Card or ACH Charges
Debit transactions and ACH withdrawals fall under the Electronic Fund Transfer Act. You have 60 days from the date your bank sent the statement showing the charge to report it as an error or unauthorized transfer. Call your bank and follow up in writing. The bank must investigate and report its findings within 10 business days. If more time is needed, the bank can take up to 45 days, but it must provisionally credit your account within those first 10 business days so you have access to the funds while the investigation continues.2Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution
One catch: if the bank asks you to confirm your dispute in writing and you don’t do so within 10 business days of your initial call, the bank doesn’t have to provide the provisional credit. Send the written confirmation right away.
Credit Card Charges
Credit card charges fall under the Fair Credit Billing Act. Send a written dispute to your card issuer’s billing inquiries address within 60 days of the statement date. The issuer must acknowledge your notice within 30 days and resolve the dispute within two billing cycles, up to a maximum of 90 days.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is pending, the issuer cannot try to collect the disputed amount or report it as delinquent to credit bureaus.
Either way, attach your documentation: screenshots of the charges, any cancellation confirmation (or evidence you tried to cancel), and emails from the company. The stronger your paper trail, the better your odds.
Why the 60-Day Deadline Matters
Both the Electronic Fund Transfer Act and the Fair Credit Billing Act give you 60 days from the statement date to report a problem. Miss that window and your rights shrink.
For debit cards, the liability consequences are steep. If you report an unauthorized charge within two business days of learning about it, your maximum liability is $50. Wait longer than two days but report within 60 days of the statement, and your exposure jumps to $500. Miss the 60-day deadline entirely, and you could be responsible for every unauthorized charge that occurs after that cutoff with no cap at all.4eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers A $39.99 monthly charge left unreported for six months becomes a much larger problem if the bank determines you waited too long.
For credit cards, the 60-day rule applies to each statement. A charge that appeared on your January statement may be outside the dispute window by April, even if the subscription is still running. Review your statements every month.
If Cancellation and the Dispute Both Fail
If Financeify refuses to cancel, ignores your requests, or your bank’s dispute process doesn’t resolve things, you still have options. File a complaint with the Federal Trade Commission at ftc.gov; the FTC enforces the Restore Online Shoppers’ Confidence Act and investigates deceptive subscription practices. The Consumer Financial Protection Bureau at consumerfinance.gov also accepts complaints about financial products and services and can intervene with the company.
If you never applied for a loan and never interacted with any lending platform, the problem may run deeper than a subscription dispute. Unauthorized charges from a service you never touched can indicate your card number was compromised. Ask your bank for a new card number, place a fraud alert with any of the three major credit bureaus, and consider reporting the incident at identitytheft.gov.
Does Disputing the Charge Hurt Your Credit?
No. A dispute is a factual inquiry into a specific transaction, not a judgment about your creditworthiness. Under the Fair Credit Billing Act, a credit card issuer cannot report a disputed amount as delinquent while the investigation is open.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The issuer can note the amount is “in dispute,” but that notation doesn’t lower your score. Don’t let credit anxiety keep you from filing a legitimate dispute inside your 60-day window.