A GRG USA LLC charge on your bank or credit card statement almost always comes from a purchase at Garage or Dynamite, two clothing retailers owned by the Canadian fashion company Groupe Dynamite.1Groupe Dynamite. Home GRG USA LLC is the U.S. legal entity that processes those transactions, so the storefront name you remember and the billing name your bank shows won’t match. If the amount roughly fits what you’d spend on clothing, accessories, or footwear, that’s the usual explanation.
Verify the Charge Before Anything Else
Pull three details from your statement: the posting date, the dollar amount, and any reference number your bank displays. Many banking apps also show a merchant phone number or partial address next to the line item.
Then check your own records. Search your email for order confirmations from Garage or Dynamite, look through recent paper receipts, and compare timestamps. Online orders often post a day or two after you place them, and the final amount can differ from the subtotal once tax or shipping is added. If the statement figure matches a receipt or confirmation total including tax, that closes the question.
Temporary holds cause a lot of the confusion. When you order online, the retailer may authorize your card for the estimated total before the order ships. That pending charge can look strange if the final posted amount comes in a few dollars different because an item went out of stock or a discount applied at shipment. The hold typically drops off within a few business days and is replaced by the actual charge.
Contact Garage or Dynamite Directly
If you can’t match the charge to a purchase but it might still be legitimate, call the retailer before escalating to your bank. Groupe Dynamite runs separate customer service lines for each brand in the United States:2Groupe Dynamite. Contact
- Garage USA: 1-888-342-7243 or customerservice@garageclothing.com
- Dynamite USA: 1-833-429-6629 or customerservice@dynamiteclothing.com
Have the date, amount, and reference number ready. Customer service can look up whether a purchase was made using your card and tell you what was ordered. If someone else in your household shops at these stores, that call often solves it. Dynamite offers free returns by mail within 30 days of purchase, so a refund that hasn’t posted yet may also explain a charge that seems to linger.3Dynamite. Return Policy
Disputing the Charge on a Credit Card
If the merchant can’t explain the charge or you’re sure you never authorized it, your next move depends on the card you used. Credit and debit cards are governed by different laws, and the difference matters.
For a credit card, the Fair Credit Billing Act gives you the right to dispute billing errors, including charges you didn’t make and charges for the wrong amount. You must send written notice to your card issuer within 60 days of the statement date that first showed the charge. The notice needs your name and account number, has to identify the charge you believe is wrong, and has to explain why you think it’s an error.4Office of the Law Revision Counsel. 15 USC 1666 Correction of Billing Errors
Once the issuer receives your dispute, it has two full billing cycles, no more than 90 days, to investigate and respond. During that window it cannot try to collect the disputed amount and cannot report it as delinquent to credit bureaus. Your account stays open and your credit limit isn’t reduced because of the dispute.4Office of the Law Revision Counsel. 15 USC 1666 Correction of Billing Errors If the investigation confirms an error or unauthorized charge, the issuer must correct your account and credit back any finance charges that accrued on the disputed amount.
Most issuers let you start a dispute through their app or website, which is faster than mailing a letter. The 60-day written notice requirement is still the legal backstop. If you’re close to that deadline, send the written notice even if you’ve already called or filed online.
Disputing the Charge on a Debit Card
Debit cards are not covered by the Fair Credit Billing Act. Unauthorized debit card transactions fall under the Electronic Fund Transfer Act and its implementing regulation, Regulation E. The protections are real, but the deadlines are tighter and the cost of delay is higher.
Your liability for unauthorized debit card charges turns on how quickly you report:5eCFR. 12 CFR 1005.6 Liability of Consumer for Unauthorized Transfers
- Within 2 business days of learning your card was compromised, your liability caps at $50.
- Between 2 and 60 days after the statement showing the unauthorized charge was sent, your liability caps at $500.
- After 60 days, you could be liable for the full amount of unauthorized transfers that occurred after the 60-day window, with no cap.
That unlimited exposure after 60 days is the reason debit disputes need to move fast. The statute does require banks to extend the deadlines if you had a legitimate reason for the delay, such as hospitalization or extended travel, but counting on that exception is risky.6Office of the Law Revision Counsel. 15 USC 1693g Consumer Liability
Once you report the error, your bank has 10 business days to investigate. It can extend the investigation to 45 calendar days, but only if it provisionally credits your account within those first 10 business days so you’re not out the money while waiting.7eCFR. 12 CFR 1005.11 Procedures for Resolving Errors
Stopping Recurring Charges
If GRG USA LLC keeps hitting your account for the same amount on a regular cycle, you may have signed up for a loyalty program or subscription without realizing it. Check your account settings on the Garage or Dynamite website first and cancel any recurring billing from there.
If charges continue after cancellation, you can stop preauthorized electronic transfers by notifying your bank at least three business days before the next scheduled payment. The notice can be oral or written, though the bank may require you to follow up with written confirmation within 14 days.8Office of the Law Revision Counsel. 15 USC 1693e Preauthorized Transfers
Banks usually charge a fee for stop-payment orders, and the amount varies. Confirm the fee with your bank before placing the order. On a credit card, you can also ask your issuer to block future charges from the merchant, which most issuers handle at no cost. Either route shuts off the merchant’s ability to pull funds going forward.