A charge from mojoch.com on your bank or credit card statement is a billing descriptor tied to an online subscription, most often for a digital entertainment or dating site. The company routes payments for several websites through one centralized processor, so the name on your statement won’t match the site where you entered your card. Whether it’s a free trial you forgot about or a charge you never authorized, you have two clear tools: cancel with the merchant, and dispute with your card issuer under federal law.
Why the Name Doesn’t Match the Site You Used
Every card transaction carries a short text label called a billing descriptor. Visa’s rules require the descriptor to match the name a merchant primarily uses with customers and to appear consistently across receipts and clearing records.1Visa. Visa Core Rules and Visa Product and Service Rules In practice, companies running multiple sites often bill everything through one payment processor, and it’s the processor’s name that lands on your statement. Mojoch.com is that kind of centralized portal, handling billing for several membership sites, many in niches where a neutral-sounding label is a selling point.2Visa. Visa Merchant Data Standards Manual
Check Whether You Actually Signed Up
Before disputing anything, spend a few minutes figuring out whether this is a subscription you started and forgot. That answer changes everything that follows.
- Search your email for “mojoch,” “membership confirmation,” or “welcome” around the date the charge first appeared. Free-trial signups almost always generate an email, even if it’s sitting in spam.
- Tap the charge in your banking app. Most apps show the merchant’s full name, phone, or website. Visiting mojoch.com will usually surface a member support portal where you can look up an account by email or card.
- Look at the pattern. A recurring monthly charge for the same amount points to a subscription. A single unfamiliar charge is more likely to be unauthorized.
- Ask household members. Visa lists “household misuse,” where a family member uses a saved card without the primary cardholder’s full awareness, as one of the most common causes of unrecognized charges.3Visa. Friendly Fraud Explained: Prevention and Solutions
If you did sign up at some point, start with cancellation. If nothing turns up and you’re confident no one in your household authorized the charge, treat it as fraud and go straight to your card issuer.
Forgotten Subscription or Truly Unauthorized
The legal difference matters. Under federal law, “unauthorized use” of a credit card means someone other than you used the card without your permission and you got no benefit from the transaction.4Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card If a charge is truly unauthorized, your maximum liability is $50, and most major issuers waive even that under their own zero-liability policies. A free trial you enrolled in and then forgot about doesn’t fit that definition, because you gave the merchant permission when you signed up. That charge is still disputable, but through the billing-error process, not the fraud process.
Cancel Through Mojoch.com First
For a subscription you authorized but no longer want, canceling with the merchant is the fastest fix. Gather this before you contact them:
- The email address you used to sign up. That’s your primary account identifier with the processor.
- The last four digits of the card being charged.
- The exact charge date and amount. Monthly memberships through this type of processor commonly fall in the $29.99 to $49.99 range, but the exact figure speeds up the lookup.
- Your member ID, usually near the top of the welcome email if you still have it.
Go to mojoch.com and look for a Membership Support or Contact Us link. Submit the cancellation through their form or messaging system, screenshot the confirmation, and save any confirmation number. If the form is broken or you get no response within a business day, call and request cancellation verbally, then ask for a follow-up email confirming the account is closed.
Watch your statement for the next two billing cycles. If a charge appears after you have written confirmation that the account was closed, you have strong grounds for a formal dispute. Don’t delete that email.
Dispute the Charge With Your Card Issuer
When the merchant won’t cancel, doesn’t respond, or keeps charging after cancellation, the Fair Credit Billing Act gives you a formal process for resolving billing errors on credit card accounts.5Federal Trade Commission. Fair Credit Billing Act The law defines a billing error to include charges for goods or services you didn’t accept, charges not delivered as agreed, charges in the wrong amount, and charges you need clarification on.6Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors A subscription that keeps billing after you canceled fits.
The process has strict requirements:
- Send written notice to the address your issuer designates for billing inquiries, not the payment address. Many issuers now also accept electronic submissions through their online portal or app.7Consumer Financial Protection Bureau. Regulation 1026.13 – Billing Error Resolution
- Your notice must reach the issuer within 60 days after the statement containing the disputed charge was sent to you. Miss that window and you lose your dispute rights for that charge.6Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
- Include your name and account number, identify the charge and amount, and explain why you believe it’s an error.
Once the issuer receives your notice, it must acknowledge it within 30 days and resolve the investigation within two billing cycles, capped at 90 days.6Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While it investigates, the issuer cannot try to collect the disputed amount or report it as delinquent. If it finds for you, it must credit your account and remove any related finance charges.
What ROSCA Requires of Subscription Sellers
The Restore Online Shoppers’ Confidence Act sets baseline rules for any business that bills consumers through a negative-option feature online, including free trials that convert to paid subscriptions. Under ROSCA, the merchant must clearly disclose all material terms before collecting billing information, obtain your express informed consent before charging, and provide a simple way to stop recurring charges.8Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet
That third requirement is the one that matters when a company drags its feet. If the cancellation process is unreasonably difficult, buried, or ignored, the merchant may be violating federal law, and that fact strengthens your position with your card issuer. Document every failed attempt: screenshots of error messages, unanswered emails, notes from phone calls with dates and times.
Don’t Rush to a Chargeback
A chargeback is the right move when a merchant is unresponsive, fraudulent, or keeps billing after confirmed cancellation. Disputing a charge you legitimately authorized just because you forgot about it can backfire. Visa calls this “friendly fraud” or “first-party misuse,” and card networks are tracking it aggressively.3Visa. Friendly Fraud Explained: Prevention and Solutions If the merchant produces evidence that you signed up and used the service, the dispute will be denied and you’ll owe the amount plus any interest. Banks also track dispute patterns; frequent chargebacks can invite scrutiny on future claims or, in extreme cases, account closure.
Try the merchant’s cancellation first, keep everything you send and receive, and if that fails, hand your issuer a complete paper trail. That documentation is usually what separates a dispute that resolves quickly from one that drags out or fails.