A charge from Gotham Enterprises on your credit card or bank statement is almost always a recurring subscription fee billed by Gotham Enterprises Ltd., a healthcare and mental health recruitment company that runs an online job board. If you don’t recognize it, the likely explanations are a forgotten signup, an auto-renewing subscription you meant to cancel, or an unauthorized transaction you can dispute.
Who Gotham Enterprises Is
Gotham Enterprises Ltd. is based in Montclair, New Jersey, and operates an online job board for the healthcare and mental health industries, where job seekers apply for positions and employers post openings.1Crunchbase. Gotham Enterprises2Better Business Bureau. Gotham Enterprises Ltd If that description doesn’t match anything you’ve signed up for, treat the charge as unrecognized and skip to the dispute steps below.
Why the Charge Shows Up
The company’s terms of service run on a monthly recurring billing model. Once you sign up, the subscription auto-renews each month until you cancel, and payments are processed by credit card.3Gotham Enterprises Ltd. Terms of Service That’s why a charge can appear months after you first created an account, and why the descriptor on your statement, often just “Gotham Enterprises,” may not immediately ring a bell.
How to Cancel the Subscription
If the charge is from an active subscription you no longer want, cancel it directly with the company. Under its terms, you have to send written notice of cancellation at least three business days before your next renewal date, or you’ll be billed for the following month. Keep a copy of whatever you send. Any refund the company does issue is subject to a $20 service charge under the same terms.3Gotham Enterprises Ltd. Terms of Service
How to Dispute a Charge You Don’t Recognize
If you never signed up, or you believe the charge is unauthorized, you can dispute it with your credit card issuer under the Fair Credit Billing Act. Federal law caps your liability for unauthorized credit card charges at $50, and many issuers waive even that under zero-liability policies.4FTC. Using Credit Cards and Disputing Charges
The steps:
- Act quickly. Your written dispute must reach the card issuer within 60 calendar days after the statement containing the charge was sent to you.5CFPB. How Do I Dispute a Charge on My Credit Card Bill
- Send a written notice to the address your issuer designates for billing inquiries, not the payment address. Include your name, account number, the dollar amount, and why you believe the charge is an error.4FTC. Using Credit Cards and Disputing Charges
- Wait for the investigation. The issuer has to acknowledge your dispute within 30 days and resolve it within two billing cycles or 90 days, whichever comes first. During that time you don’t have to pay the disputed amount, and the issuer can’t report it as delinquent.4FTC. Using Credit Cards and Disputing Charges
Whether or not you’re disputing it with your card issuer, it’s worth asking the issuer to block future charges from the merchant and, if the card number was used without your permission, to reissue the card.
If you’re unsatisfied with how the dispute is handled, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by phone at (855) 411-2372, and report suspected fraud to the FTC at ReportFraud.ftc.gov.4FTC. Using Credit Cards and Disputing Charges