A charge labeled IMMUDVMMYF on your credit card statement is a recurring subscription payment to Immudi, a diet and weight-loss app run by 360 Mind, UAB out of Lithuania. Most people who see it signed up after taking a quiz on the Immudi website, agreed to an auto-renewing plan, and either forgot about it or didn’t realize renewals would keep processing. You can stop future charges by emailing the company to cancel, and if Immudi won’t refund what it already took, your bank or card issuer can help.
Where the Charge Comes From
Immudi markets an AI-driven anti-inflammatory weight-loss program delivered through a mobile app, with meal plans, health tracking, and community groups on WhatsApp and Telegram. Sign-up usually starts with an online quiz that ends on a subscription checkout page. The tiered pricing is $39.99 for one month, $51.99 for three months, and $66.99 for six months, and each tier renews automatically at the end of its billing cycle.1Immudi. Immudi Cost The IMMUDVMMYF descriptor is what shows up on your statement when one of those renewals runs. Consumers have also reported renewal charges of $69.99 that they didn’t expect.2Better Business Bureau. Immudi BBB Complaints – Page 2
Immudi is not accredited by the Better Business Bureau and holds a D rating, with 59 complaints logged over three years clustering around unexpected renewals, difficulty canceling, and refused refunds.3Better Business Bureau. Immudi BBB Complaints Go in expecting friction.
How to Cancel the Subscription
The app does not have a straightforward cancel button. Immudi’s own cancellation page instructs users to email hello@immudi.com at least 24 hours before the current subscription period ends; the company says it will process the request within 24 hours and send a confirmation, and access continues until the paid period runs out.4Immudi. Cancel Immudi
One caveat: in its responses to BBB complaints, Immudi has referenced a different cutoff of at least two days before the renewal date, so the exact deadline may depend on the version of the terms in effect when you signed up.3Better Business Bureau. Immudi BBB Complaints Send your cancellation well ahead of the next renewal date, keep copies of every email, and ask for written confirmation that the subscription is terminated. Google Play reviewers describe a “hard sales push” during cancellation, and the developer has directed users back to email for the actual cancellation.5Google Play. Immudi App Listing
If you originally paid through Google Play or PayPal, canceling there alone may not stop Immudi from attempting new charges. Email the company directly as well. Some consumers have had to replace their credit cards outright to stop repeated charge attempts after canceling.
How to Dispute the Charge With Your Bank
If Immudi won’t refund a charge or doesn’t respond, your card issuer is the next stop. The process differs slightly for credit and debit cards.
Credit Card Charges
The Fair Credit Billing Act lets you dispute billing errors, including unauthorized charges, by sending a written notice to your card issuer within 60 days of the statement date on which the charge first appeared.6Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill Send it to the billing inquiries address on your statement, not the payment address, and include your name, account number, the amount and date of the charge, and why you believe it’s an error. Certified mail creates a paper trail.7Federal Trade Commission. Using Credit Cards and Disputing Charges
The issuer has to acknowledge your notice within 30 days and resolve the dispute within 90 days. You can withhold payment on the disputed amount during the investigation without being reported as delinquent.8Consumer Financial Protection Bureau. Regulation Z – Section 1026.13 Federal law caps liability for unauthorized credit card charges at $50, and many issuers apply zero-liability policies on top of that.7Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit Card Charges
Debit charges fall under the Electronic Fund Transfer Act and Regulation E. You have 60 days from the date the bank sent the statement showing the charge to report the error.9Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs The bank has to investigate within 10 business days, or 20 business days for new accounts, and can extend the timeline to 45 days if it credits your account provisionally in the meantime. The burden of proof sits with the bank to show the transfer was authorized, not with you to prove it wasn’t.10Consumer Compliance Outlook. Error Resolution and Liability Limitations Under Regulations E and Z
Your bank cannot require you to file a police report or contact Immudi first as a condition of investigating.9Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
Where Else to Report It
Reporting the charge won’t get your money back on its own, but it feeds regulators the pattern evidence they use to build cases. The FTC accepts fraud and deceptive-practice reports at ReportFraud.ftc.gov.11Federal Trade Commission. How to Stop Subscriptions You Never Ordered The Consumer Financial Protection Bureau also accepts complaints about billing disputes.
Immudi lists a U.S. business address in Goodview, Minnesota, so the Minnesota Attorney General’s Consumer Action Division is a relevant state-level channel; the office mediates disputes and tracks patterns of illegal conduct.12Minnesota Attorney General. File a Complaint You can reach it at (651) 296-3353 in the Twin Cities or (800) 657-3787 elsewhere.
What to Expect From Immudi
Immudi maintains a blanket no-refund policy for subscription fees that have already processed. Consumers have described being told during sign-up about a 30-day money-back guarantee that the company later declined to honor, citing fine print.3Better Business Bureau. Immudi BBB Complaints The listed phone number has been reported as out of service, so email and social media are effectively the only ways to reach the company. Some users have reported that Immudi replied claiming it couldn’t find their account by the email address they provided.
Practically, that means the cancellation email is worth sending, but don’t wait on Immudi to make you whole. Start the bank dispute inside the 60-day window, keep every email and screenshot, and if a renewal charge posts after you’ve asked to cancel, treat it as an unauthorized charge when you file with the issuer.