If an “HK Zhongjun Ltd” charge appeared on your credit card statement, it’s a recurring monthly billing descriptor tied to the website Runaut.com, and the way to stop it is to cancel through the merchant’s contact form and dispute the charge with your card issuer. Do both at once. Consumers who see this line item generally don’t recognize it and don’t recall signing up for anything.1JustAnswer. Stop Charging Credit Card Monthly HK Zhongjun Ltd
What the Charge Is
The descriptor appears as “HK ZHONGJUN LTD” or a variant such as “HK ZHONGJUN LTD RUNAUT.COM.” It is linked to a Hong Kong-registered entity operating through Runaut.com, and the charges recur monthly. The underlying product or service is not well-documented, and consumers report there is no working phone number for the company, which makes direct contact difficult.1JustAnswer. Stop Charging Credit Card Monthly HK Zhongjun Ltd
Contact the Merchant First
Runaut.com has a contact form at runaut.com/contact-us. Use it to submit a written cancellation and refund request. This creates a paper trail you can hand to your card issuer if the merchant ignores you or refuses.1JustAnswer. Stop Charging Credit Card Monthly HK Zhongjun Ltd Screenshot everything you send and save any confirmation the site returns.
Dispute the Charge With Your Card Issuer
Your card issuer is the real lever. Under the Fair Credit Billing Act, you can dispute unauthorized charges and billing errors, but your written dispute must reach the issuer within 60 days of the statement date on which the charge first appeared.2Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill Many issuers accept disputes by phone or app, and that’s fine for speed, but a written letter sent to the address the issuer designates for billing inquiries (not the payment address) preserves your full legal protections.3Federal Trade Commission. Using Credit Cards and Disputing Charges
Include your name, account number, the date and amount of the disputed charge, and a short explanation of why it’s unauthorized. Attach copies of your cancellation message to the merchant if you have one. The issuer must acknowledge your dispute in writing within 30 days and resolve it within two billing cycles or 90 days.3Federal Trade Commission. Using Credit Cards and Disputing Charges
While the investigation is open, you don’t have to pay the disputed amount or finance charges on it, and the issuer cannot report you as delinquent for withholding that payment.3Federal Trade Commission. Using Credit Cards and Disputing Charges
Block Future Charges
Ask your issuer to block future transactions from HK Zhongjun Ltd. Some issuers can block a specific merchant. Others will recommend replacing your card with a new number, which is the safer route if you suspect the card information itself was compromised.4Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud
If the Charge Is on a Debit Card
The Fair Credit Billing Act protections above apply to credit cards. Federal law caps your liability for unauthorized credit card charges at $50, and most major issuers offer zero-liability policies on top of that; if the charge posted after you reported the card lost or stolen, you owe nothing.5Discover. Fair Credit Billing Act Debit card protections vary by issuer and are generally weaker, so if you see the charge on a debit card, call your bank immediately to limit your exposure.6Federal Trade Commission. What to Do if Youre Billed for Things You Never Got or You Get Unordered Products
Report the Charge
If you believe the billing is fraudulent or deceptive, file a report with the Federal Trade Commission at ReportFraud.ftc.gov. The FTC uses complaints to identify patterns and build enforcement cases.6Federal Trade Commission. What to Do if Youre Billed for Things You Never Got or You Get Unordered Products
If you think your card information was stolen and used to create the subscription, go to IdentityTheft.gov to build a recovery plan, and consider placing a fraud alert with one of the three major credit bureaus (Equifax, Experian, or TransUnion).4Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud
Where the Law Stands on Hard-to-Cancel Subscriptions
Charges like this fit a pattern federal regulators have targeted. In an October 2021 policy statement, the FTC warned that tricking consumers into subscriptions or trapping them when they try to cancel violates the law and can trigger civil penalties.7Federal Trade Commission. FTC to Ramp Up Enforcement Against Illegal Dark Patterns That Trick or Trap Consumers Into Subscriptions8Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule Making It Easier for Consumers to End Recurring Subscriptions9Federal Register. Negative Option Rule On July 8, 2025, the Eighth Circuit vacated the rule, finding the FTC had failed to conduct a required preliminary regulatory analysis. The Click-to-Cancel requirements are not currently enforceable, though the FTC Act and the Restore Online Shoppers’ Confidence Act still apply.