An FMG ADDINS charge on your credit card comes from one of two unrelated companies that share the FMG initials: FMG Suite, a marketing software platform used by financial advisors, or Franklin Madison (also called FMG Financial), which administers add-on insurance products sold through banks, credit unions, and mortgage lenders. Amounts run anywhere from about $20 a month to over $1,000 a month depending on which company and which product is involved. Identifying the source is the first step, because the way you cancel or dispute the charge differs between the two.
Which Company Is Billing You
FMG Suite sells websites, email campaigns, social media tools, and other digital marketing products built for financial advisors, wealth managers, and registered investment advisors. The “ADDINS” portion of the descriptor points to optional upgrade modules layered on top of a base marketing plan. If you or your firm handles marketing for a financial practice, this is the likely source.
Franklin Madison is an insurance marketing company that partners with banks, credit unions, and mortgage lenders to sell supplemental policies such as accidental death and dismemberment coverage and life insurance. If you recently opened a bank account, refinanced a mortgage, or responded to a mailer from your bank offering optional insurance, this is the more likely source. Their customer service line is 1-855-343-8069, and their site is fmservice.com.
How to Tell Them Apart
Start with the amount. Charges in the $20 to $100 range, billed monthly or quarterly, usually point to a Franklin Madison insurance product. Charges from roughly $99 up into four figures per month are more consistent with FMG Suite marketing software. FMG Suite base plans start at $99 per month and climb past $1,000 per month for full-service tiers, and add-in modules bill as separate line items on top of the base plan.
Then check your email and mail. FMG Suite sends communications from addresses ending in @fmgsuite.com. Franklin Madison typically corresponds by physical mail from Franklin, Tennessee. If you recently enrolled in any optional coverage through your bank or mortgage servicer, call that institution and ask whether they partner with Franklin Madison.
For FMG Suite, log in at fmgsuite.com and open the billing section. Your invoice history breaks down each charge by date and service. If you have no login and never set up an account, that’s a strong sign the charge is either Franklin Madison or unauthorized.
How to Cancel an FMG Suite Subscription
Stopping use of the platform does not cancel your subscription. FMG Suite’s terms of service state that limited or no usage does not count as notice and does not entitle you to a refund.1FMG. Terms of Service
To actually cancel, you have to give written notice at least 30 days before the end of your current term. After the initial contract period, the subscription auto-renews for successive one-year terms unless you deliver that written notice inside the window.1FMG. Terms of Service Miss the 30 days and you are locked in for another full year.
If a third party pays for your subscription on your behalf, such as a broker-dealer or an enterprise firm, you cannot cancel directly with FMG Suite. You have to go through that third party, who then coordinates the termination.1FMG. Terms of Service This trips people up when they leave a firm but the subscription keeps billing under a shared arrangement.
The terms do not spell out a refund policy for charges that have already processed. They ask you to notify the company promptly if you are unsatisfied, but they make no guarantee of refunds for prior billing periods.1FMG. Terms of Service FMG Suite support runs Monday through Friday, 7:00 AM to 6:00 PM Mountain Time, at service@fmgsuite.com or 858-251-2420.2FMG. Contacting Our Customer Support Team
How to Dispute a Charge You Did Not Authorize
If you did not sign up for either service, you have two routes and should use both. Contact the merchant directly (FMG Suite or Franklin Madison, using the numbers above), and file a written dispute with your credit card issuer.
Federal law gives you 60 days from the date the statement containing the error was sent to file that written dispute. Your letter needs your name, account number, the disputed amount, and the reason you believe it is an error. Send it to the issuer’s billing inquiry address, not the payment address, and keep a copy.3Federal Trade Commission. Using Credit Cards and Disputing Charges
Once the issuer receives the dispute, it must acknowledge it in writing within 30 days and resolve the matter within two billing cycles, not to exceed 90 days.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is open, you can withhold payment on the disputed amount without being reported delinquent or sent to collections.3Federal Trade Commission. Using Credit Cards and Disputing Charges
For truly unauthorized use of your card, federal law caps your liability at $50. An unauthorized charge can also be an early sign of identity theft, so check your other accounts if you have any doubt about how the charge appeared.
If the Charge Is Legitimate Business Spending
Advisors and firms paying for FMG Suite as a marketing tool can deduct the subscription as an ordinary and necessary business expense in the year paid.5Office of the Law Revision Counsel. 26 USC 162 – Trade or Business Expenses Keep invoices and card statements for at least three years after filing, since that is the window in which the IRS can request records during an audit. If you also use any features personally, only the business-use share is deductible.