A charge labeled “KTCCTN” or “ktccrtn.com” on your bank statement is a recurring $39.99 monthly subscription to Kitchen Creations, a recipe and meal-planning service operated by Exibyte LLC.1Kitchen Creations. Kitchen Creations Sign Up If you don’t recognize it, the charge may trace back to a forgotten sign-up or a free trial that rolled into a paid plan. In some cases it signals that your card information is being used without permission.
What the Charge Is
Kitchen Creations is a digital platform at ktccrtn.com that sells access to recipes, step-by-step audio cooking guides, and personalized meal menus.2Kitchen Creations. Kitchen Creations Home Page Sign-up triggers a $39.99 charge, and the same amount is billed every 30 days until the subscription is canceled. The company says it emails a renewal notice five to seven days before each charge and sends a receipt after each successful transaction. On statements, the charge posts under the descriptor “ktccrtn.com.”1Kitchen Creations. Kitchen Creations Sign Up
How to Cancel It
Kitchen Creations has a dedicated cancellation page at ktccrtn.com/cancel where subscribers can end their accounts.3Kitchen Creations. Kitchen Creations Cancel Subscription You can also reach customer support directly:
- Phone: +1 855-596-3864, daily from 8:00 a.m. to 8:00 p.m. Eastern time
- Email: support@ktccrtn.com
Save the confirmation. A screenshot or the confirmation email gives you proof if another charge posts after you cancel and you need to dispute it.
If You Didn’t Sign Up
Before treating the charge as fraud, check a few ordinary explanations. Someone else on the account — a spouse, a child, an authorized user — may have signed up. An older email address may hold a welcome message or receipt. A free trial started weeks ago may have converted. Billing descriptors often look nothing like the brand a customer remembers, so even a legitimate sign-up can show up as an unfamiliar line.4Discover. What Is This Charge on My Credit Card
If nothing explains it, call your bank or card issuer. Timing matters, because federal protections tie your liability to how quickly you report.
Disputing the Charge
The process depends on which type of card was used.
Credit Card
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and many issuers offer zero-liability policies that eliminate it entirely.5FTC. Using Credit Cards and Disputing Charges To preserve those protections, send a written dispute to the billing inquiries address (not the payment address) within 60 days of the statement date. Include your name, account number, the amount and date of the charge, and why it’s wrong.6FTC. Disputing Credit Card Charges Your issuer must acknowledge the dispute within 30 days and resolve it within 90. While it investigates, it cannot report the amount as delinquent, try to collect it, or charge interest on it.
Debit Card
Debit card protections under Regulation E are tighter and more time-sensitive. Report within two business days of learning about the charge, and your liability is capped at the lesser of $50 or the unauthorized amount. Between two and 60 days, that cap rises to $500. Wait longer than 60 days after the statement was sent, and you can be on the hook for the full amount of any later unauthorized transfers.7CFPB. Regulation E, Section 1005.6
Your bank generally has 10 business days to investigate once you report. It can extend to 45 days, but then it must provisionally credit the disputed amount (minus up to $50) to your account within the first 10 days so you have access to the funds in the meantime. It must notify you of the outcome within three business days of finishing.8CFPB. Regulation E, Section 1005.11
When to Report Beyond the Bank
If the KTCCTN charge is part of a broader pattern — other unfamiliar transactions, unknown accounts opened in your name — a few additional reports make sense.
- File a fraud report at ReportFraud.ftc.gov. The FTC doesn’t resolve individual cases, but reports feed Consumer Sentinel, a database law enforcement uses to detect patterns.9FTC. Report Fraud to the FTC
- If your bank isn’t handling the dispute properly, file a complaint with the CFPB at consumerfinance.gov/complaint or 855-411-2372. Companies generally respond within 15 days.10CFPB. Submit a Complaint
- If your card number or personal information was compromised, use IdentityTheft.gov to build a recovery plan.11FTC. What to Do if You Were Scammed
While you’re reviewing the account, turn on transaction alerts if your bank offers them. A notification for every purchase makes a stray charge much harder to miss the next time.