An ImKey BV charge on your card or bank statement is a Resume.io subscription. ImKey B.V. is the Dutch corporate entity behind Resume.io, an online resume builder based in Breda, Netherlands, and it bills under its legal name rather than its consumer brand.1Preqin. Imkey B.V. Asset Profile If you recently built, edited, or downloaded a resume online, that is almost certainly the source.
Why You Don’t Remember Signing Up
Resume.io runs on a subscription model, and the charges people flag usually trace back to one of two moments at checkout. You paid a small fee to download a resume, and the same checkout enrolled you in recurring billing. Or you took a short trial, expected it to lapse, and it auto-renewed at full price when the window closed.
Either way, the billing continues until you actively cancel. The company name on your statement, “ImKey BV,” is simply the registered entity. This is standard for companies that operate under a different consumer brand, and it is the main reason the line item looks foreign.
The Foreign Transaction Fee on Top
Because ImKey B.V. processes payments through a Dutch bank, your card issuer may tack on a foreign transaction fee of roughly 1% to 3% of each charge.2TD. What to Know About Foreign Transaction Fees You don’t have to travel to trigger it. Any purchase from an overseas merchant counts, including an online subscription.3Chase. Tips for Using Credit Cards Internationally That extra few percent is why the amount on your statement may not match the price you remember seeing.
How to Cancel Resume.io
To stop future charges, cancel directly through Resume.io. The company’s contact page offers a cancel-subscription option, and you will need the email address tied to your account along with billing details that match the statement charge.
Before you start, pull these details from your statement:
- The exact date the most recent ImKey BV charge posted.
- The dollar amount, including any foreign transaction fee.
- The email address you used to create the Resume.io account. If you’re unsure, search your inbox for mail from Resume.io.
- Any transaction or reference ID shown on the statement.
After you submit the request, save the confirmation email or ticket number. If charges keep coming, that paper trail is what you’ll hand your bank.
If Cancellation Doesn’t Stop the Billing
When the company ignores you or the charges continue after cancellation, dispute the transaction with your card issuer. The rules and the clock depend on how you paid.
Credit Card Charges
Under the Fair Credit Billing Act, you have 60 days from the date your issuer sent the statement containing the error to submit a written dispute.4Office of the Law Revision Counsel. 15 USC 1666 Correction of Billing Errors The letter must identify your account, state that you believe the bill contains an error, and explain why. Send it to the billing inquiries address your issuer designates, not the payment address, and consider certified mail with return receipt for proof.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Your issuer must acknowledge the dispute within 30 days and resolve it within two billing cycles, up to 90 days. You can withhold payment on the disputed amount while the investigation is open, and your liability for unauthorized credit card charges is capped at $50 by federal law.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit Card Charges
Debit card disputes fall under Regulation E, and speed matters far more. Report an unauthorized transfer within two business days of learning about it, and your liability is capped at $50. Wait longer and the cap rises to $500. Let more than 60 days pass after the statement is sent and you can be on the hook for the full amount of any transfers that happened after that window.6Consumer Financial Protection Bureau. 1005.6 Liability of Consumer for Unauthorized Transfers
If the charge hit a debit card and you didn’t authorize it, call your bank today. Even careless handling of your card details does not push your liability above these statutory caps.6Consumer Financial Protection Bureau. 1005.6 Liability of Consumer for Unauthorized Transfers
What to Hand Your Bank
Disputes move faster when the paperwork is clean. Pull together:
- Statement copies with every ImKey BV charge highlighted, including dates, amounts, and foreign transaction fees.
- Screenshots of your cancellation confirmation, support ticket number, or any emails showing you asked the company to stop billing.
- A short chronological summary: when you signed up, when you canceled, and when charges continued.
- A note if you never received a clear disclosure of recurring billing terms. Federal rules require sellers in internet transactions to clearly disclose material terms and obtain your informed consent before charging you on a recurring basis.7Federal Trade Commission. Restore Online Shoppers’ Confidence Act
Order everything by date. A tight timeline does more for your case than a pile of unordered screenshots.
Rules Covering How Companies Can Bill You
If the recurring charge came from a debit card or bank account, the Electronic Fund Transfer Act requires that the authorization be in a writing or electronic signature that is readily identifiable, with clear and readily understandable terms, and the company must give you a copy of it.8Consumer Financial Protection Bureau. 1005.10 Preauthorized Transfers If you never got one, the transfer may not have been properly authorized.
The FTC’s click-to-cancel rule requires sellers to make canceling as easy as signing up, disclose material terms before taking your billing information, and provide a simple way to stop charges.9Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule Making It Easier for Consumers to End Recurring Subscriptions and Memberships A long phone process, retention script, or multi-step maze works against the company in a dispute.
Where to Escalate
If the company and your bank both fail you, file a free complaint with the Consumer Financial Protection Bureau online at consumerfinance.gov/complaint or by phone at (855) 411-2372. The CFPB forwards complaints to the company for a response.10Consumer Financial Protection Bureau. Submit a Complaint You can also complain to the FTC or your state attorney general’s consumer protection division. None of them charge a fee.