An MBG Online Ecommerce charge on your credit card statement is a billing from MBG Technology, a Missouri-based company that sells website management and other business technology services on a recurring subscription basis. If the charge is unexpected, it almost always traces back to a subscription that auto-renewed. To stop future charges, you have to email the company and cancel. To get money back on a charge that has already posted, you generally need to dispute it with your card issuer.
What the Charge Is For
MBG Technology’s recurring plans cover website management in two tiers. The “Content Only” plan runs $79 per month or $797 per year. The “Content and Functionality” plan runs $129 per month or $1,297 per year. Both auto-renew until the subscriber cancels.1MBG Technology. Subscriptions2MBG Technology. Subscription Terms and Conditions
The company also offers website design, graphic design and branding, digital marketing, and business technology setup services.3MBG Technology. MBG Technology Homepage If the amount on your statement matches one of the subscription tiers above, a recurring plan is the likely source. If it matches nothing on your account and no one authorized to use your card recognizes it, treat it as potentially unauthorized and move to the dispute steps below.
How To Cancel the Subscription
MBG Technology accepts cancellations only by email, sent to info@mbgtechnology.com. The request must arrive at least two business days before the next auto-renewal date. Monthly subscribers cancel before the next monthly cycle begins; annual subscribers cancel before the next annual cycle begins.2MBG Technology. Subscription Terms and Conditions
The company’s terms state that subscribers “accept responsibility for all recurring charges prior to cancellation,” and the published policy does not mention refunds for past charges.2MBG Technology. Subscription Terms and Conditions Cancellation stops the next charge. It does not reverse the one you’re already looking at.
Keep the email you send and any reply you receive. If a later charge still posts, that record is what you’ll attach to a dispute.
How To Dispute a Charge That Already Posted
If you didn’t authorize the charge, or you cancelled and were billed anyway, you can dispute it with your card issuer under the Fair Credit Billing Act.
- Send written notice within 60 calendar days of the date the first statement containing the charge was mailed to you.4Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
- Call the number on the back of your card first, then follow up in writing to the address the issuer designates for billing inquiries, which is not the same as the payment address.5Federal Trade Commission. Using Credit Cards and Disputing Charges
- Include your name, account number, the amount and date of the charge, and why you believe it’s an error.6Federal Trade Commission. Disputing Credit Card Charges
- Attach copies of receipts, emails, or your cancellation request. Send by certified mail with a return receipt so you have proof of delivery.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Once the issuer has your written notice, it must acknowledge the dispute within 30 days and resolve it within two full billing cycles, capped at 90 days. While the investigation is open, you don’t have to pay the disputed amount, and the issuer can’t report you as delinquent or close your account over the dispute.7Consumer Financial Protection Bureau. Regulation Z – Section 1026.13 Federal law caps your liability for unauthorized credit card charges at $50, and many issuers offer zero-liability policies that go further.5Federal Trade Commission. Using Credit Cards and Disputing Charges
You can dispute a charge even after you’ve paid it.4Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill If the issuer sides with the merchant and you disagree, you can appeal in writing and file a complaint with the Consumer Financial Protection Bureau.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Where To Report Suspected Fraud
If you believe the billing was deceptive or unauthorized, you can report it in addition to disputing:
- Federal Trade Commission at ReportFraud.ftc.gov. The FTC does not resolve individual complaints, but it uses reports to build enforcement cases.8Federal Trade Commission. Report Fraud
- Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372. Companies generally respond within 15 days.9Consumer Financial Protection Bureau. Submit a Complaint
- Missouri Attorney General’s Consumer Protection division, online, by mail, or at 1-800-392-8222. MBG Technology appears to operate out of Missouri, and the office will attempt to mediate at no charge.10Missouri Attorney General. Consumer Protection Division