A charge from Global Bizz Force Inc on your bank or credit card statement is almost always a recurring digital marketing or online directory subscription, typically between $49 and $299. If you didn’t authorize it or no longer want the service, you have two separate jobs: dispute the specific charge with your card issuer, and cancel the subscription so it doesn’t bill again next month or next year. Which law protects you depends on whether the charge hit a credit card or a debit card.
What the Company Appears to Sell
Global Bizz Force Inc presents itself as a business-to-business digital marketing provider. Companies in this space typically sell search engine optimization packages, online business directory placements, and local lead generation tools to small business owners for a monthly or annual fee.
On statements, the charge usually posts under merchant category code 7311, which card networks assign to advertising agencies and digital marketing firms. If you see that code next to the name, the transaction was processed as an advertising service rather than a retail purchase or software subscription. That can matter when your bank categorizes the dispute.
Why This Charge Showed Up
The usual culprit is a recurring subscription you forgot about or didn’t realize would auto-renew. Digital marketing vendors almost universally use negative-option billing: the card keeps getting charged until you affirmatively cancel. A few patterns come up repeatedly.
- A free or low-cost trial that rolled into a full-price subscription when it expired.
- An annual renewal for a directory listing, domain, or hosting fee. Twelve months is long enough to forget you ever signed up.
- A web developer, marketing consultant, or employee who signed up using your business card. The charge is technically authorized even though you didn’t personally approve it.
If none of that fits, treat the charge as potentially unauthorized. The remedy and the timeline are different, and the window to protect yourself is tighter than most people expect.
Disputing a Credit Card Charge
Credit cards carry the stronger protections. The Fair Credit Billing Act gives you 60 days from the date your statement was sent to notify your card issuer in writing of a billing error.1Office of the Law Revision Counsel. 15 U.S. Code 1666 – Correction of Billing Errors That 60-day window is a hard deadline. Miss it and you can lose your dispute rights entirely.
While the investigation is pending, your issuer cannot report you as delinquent on the disputed amount, close your account, or restrict your credit line because you refused to pay it.1Office of the Law Revision Counsel. 15 U.S. Code 1666 – Correction of Billing Errors
What to Send
Before you contact the bank, pull together the exact transaction date, the merchant name as it appears on your statement, the transaction reference number, and the dollar amount. Most issuers let you open a dispute through their app or online portal, but the statute technically requires written notice sent to the address the issuer designates for billing inquiries. That is not the same as the payment address. Check the back of your statement or your issuer’s website for the right one.
Your letter should state that you’re disputing a specific charge, identify it clearly, and explain why you believe it’s an error. “Error” under the statute covers unauthorized charges, charges for goods or services you didn’t receive, and charges for the wrong amount. Keep it short and factual. Save a copy of everything you send.
Disputing a Debit Card Charge
Debit card transactions fall under Regulation E, and the protections are weaker in ways that surprise people. Your liability for an unauthorized debit charge depends almost entirely on how fast you report it.
- Report within 2 business days of learning about the charge: your maximum liability is $50, or less if the transfer itself was under $50.2Consumer Financial Protection Bureau. Liability of Consumer for Unauthorized Transfers
- Report after 2 business days but within 60 days of the statement being sent: liability jumps to $500.2Consumer Financial Protection Bureau. Liability of Consumer for Unauthorized Transfers
- Report more than 60 days after the statement was sent: you can be on the hook for the full amount of any unauthorized transfers that occur after the 60-day window closes.2Consumer Financial Protection Bureau. Liability of Consumer for Unauthorized Transfers
The two business days start when you learn about the charge, not when it posted, and weekends and bank holidays don’t count. Your bank also cannot raise your liability above these ceilings because you were careless with your PIN or card number.2Consumer Financial Protection Bureau. Liability of Consumer for Unauthorized Transfers
Speed is the whole game here. If a Global Bizz Force charge hits your debit card and you didn’t authorize it, call the bank the day you spot it. Don’t try to investigate on your own first.
Cancel the Subscription
Disputing a charge reverses one payment. Canceling the service stops future ones. These are separate steps, and skipping the cancellation is where people get billed a second time.
Contact Global Bizz Force Inc’s customer service and request immediate cancellation of any active subscription. Get a confirmation number or written acknowledgment before you end the call or close the chat.
Under the Restore Online Shoppers’ Confidence Act, companies that use negative-option billing online must provide a simple way to cancel recurring charges. The Federal Trade Commission enforces this requirement, and if you hit a wall trying to cancel, that obstruction is itself worth reporting to the FTC. Around 30 states have also passed their own automatic-renewal laws, some stricter than the federal standard, and those may apply depending on where the company operates and where you are.
If You Think This Is Fraud
Not every unrecognized charge is a forgotten subscription. If you genuinely never dealt with this company and no one authorized to use your card did either, treat it as potential fraud and take a few extra steps beyond the dispute.
- Request a new card number. Disputing one charge does not stop the merchant from attempting another. A fresh number cuts off access.
- Review at least three months of statements across your accounts. Fraudulent charges rarely show up alone.
- File a report at ReportFraud.ftc.gov. It won’t recover your money directly, but it feeds the database the FTC and state attorneys general use to build enforcement cases.
- Consider a fraud alert or credit freeze if you think your other personal information may also have been exposed. A fraud alert makes creditors verify your identity before opening new accounts in your name.
Be honest with your bank about which category your dispute falls into. Claiming outright fraud on a charge you actually authorized, even unknowingly through a trial sign-up, can backfire and weaken your case.
If You Did Buy the Service
If you intentionally purchased SEO or directory listing services from Global Bizz Force Inc for your business, the fee is generally deductible as an ordinary business advertising expense. Sole proprietors report it on Schedule C, and the IRS points small business owners to Publication 334 for guidance on advertising and marketing deductions.3Internal Revenue Service. Guide to Business Expense Resources
Hold onto the receipt, the service agreement, and any cancellation correspondence. If you successfully dispute the charge and get a refund, you can’t deduct that same amount. If you already deducted it in a prior year and the refund comes later, the refund may count as taxable income in the year you receive it.