The Moonlight Maven charge on your statement is a $69.95 monthly membership fee from Savage X Fenty, the lingerie brand. It appears under that name because Savage X Fenty bills through its corporate entity, Lavender Lingerie, LLC, which uses “Moonlight Maven” as its billing descriptor. If you see the charge, it means someone using your card enrolled in the Savage X Rewards Membership (formerly Xtra VIP), almost always during checkout on a first order.
Where the Charge Came From
The Savage X Fenty checkout advertises steep member-only discounts, and enrollment in the recurring membership is woven into the purchase flow. Plenty of buyers finish the order without realizing they’ve agreed to a monthly subscription. A coalition of California district attorneys investigated the brand’s enrollment practices and reached a $1.2 million settlement in November 2022 over allegations that the company failed to clearly disclose the membership’s material terms.
So the charge is not fraud in the criminal sense, and it isn’t a mystery company. It traces to a Savage X Fenty account tied to your email and card. That matters because it shapes how you get rid of it.
How the $69.95 Monthly Billing Works
Each month, your linked payment method is billed $69.95 on the 6th. That amount converts into a store credit you can spend on the Savage X Fenty website. Credits sit in your account until you use them or the account is closed.
To avoid a charge in any given month, you have to log into your account and actively skip between the 1st and the 5th. Miss that window and the charge posts automatically on the 6th. There is no grace period, no pause-billing reminder, and no way to reverse the charge through the website once it hits.
Credits are nonrefundable. For members who enrolled on or after October 22, 2025, unused credits expire 12 months after purchase. Canceling the membership does not convert existing credits back to cash; they remain in the account until you spend them or they expire.1Savage X Fenty. Do Member Credits Expire?
How to Cancel the Membership
Start in your account settings on the Savage X Fenty website. Find the membership management section and select the option to cancel. The site will push several retention screens offering discounts or alternative plans. Click through each one until you reach a final confirmation that the membership is canceled. Screenshot that page, and save any confirmation email you receive.
If the online path stalls, contact Savage X Fenty directly. Customer service is at 1-855-728-2439, and live chat is available through the Help section of the website. Both are open around the clock.2Savage X Fenty. What’s the Commitment? Can I Cancel My Savage X Rewards Membership?
Check your statement the following month. If a Moonlight Maven charge shows up after you have a cancellation confirmation, you have clear grounds to dispute it with your bank.
Disputing the Charge With Your Bank
When cancellation fails, or when you believe you never knowingly enrolled, file a formal dispute with your financial institution. The rules differ depending on the card type.
Credit Card Charges
The Fair Credit Billing Act gives you 60 days from the date your issuer sends the statement to dispute a billing error in writing. Billing errors include charges you didn’t authorize and charges for goods or services you didn’t accept. Once you notify the issuer, it must acknowledge your dispute within 30 days and resolve it within two billing cycles, and it cannot try to collect the disputed amount while the investigation is pending.3Office of the Law Revision Counsel. 15 U.S. Code 1666 – Correction of Billing Errors Liability for unauthorized charges is capped at $50 under federal law, and you aren’t out the money during the investigation.
Debit Card and Bank Account Charges
If the charge hit a debit card or bank account, the Electronic Fund Transfer Act applies. Your bank must investigate and resolve the claim within 10 business days of your report, or issue a provisional credit within 10 business days while it keeps investigating for up to 45 days.4Office of the Law Revision Counsel. 15 U.S. Code 1693f – Error Resolution
Timing is stricter here. Report an unauthorized transfer within 60 days of the statement that shows it. Miss that window and you can be held liable for any further unauthorized transfers that occur after the 60 days and before you finally notify the bank. If circumstances beyond your control caused the delay, the bank must extend the deadline to a reasonable period.5Consumer Financial Protection Bureau. Regulation E – 1005.6 Liability of Consumer for Unauthorized Transfers
What to Have Ready
Before you call, gather your account name and number, the exact charge amount and date, any cancellation screenshots or emails, and a short explanation of why the charge was unauthorized. Organized documentation moves the dispute along.
Federal Laws That Back You Up
Two federal rules speak directly to how this kind of subscription is supposed to be sold and canceled.
The Restore Online Shoppers’ Confidence Act makes it illegal to charge a consumer through a negative option feature online unless the seller clearly discloses all material terms before collecting billing information, obtains express informed consent, and provides a simple way to stop recurring charges.6Office of the Law Revision Counsel. 15 U.S. Code 8403 – Negative Option Marketing on the Internet A negative option feature is exactly the setup here: you are charged unless you opt out each month. If the enrollment flow didn’t clearly disclose the $69.95 recurring fee or didn’t capture your informed consent, the charge may violate this statute.
In October 2024, the Federal Trade Commission finalized its amended Negative Option Rule, commonly called the click-to-cancel rule. It requires sellers to make canceling a subscription at least as easy as signing up, and for online enrollments that means canceling online without being forced onto a phone line or through excessive retention offers. The rule’s core provisions took effect in 2025.7Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule You can file a complaint at ftc.gov/complaint if a company is putting up cancellation barriers.
If You Actually Want to Keep the Membership
Some readers who track down the charge are fine with the program once they understand it. If you shop the brand regularly, the $69.95 credit works as store currency. The habit that keeps it from becoming a surprise is skipping on time. Set a recurring calendar reminder for the 1st of the month, log in, skip if you don’t plan to shop, and confirm the skip went through. One missed skip is a charge you can’t reverse through the website.8Savage X Fenty. What if I Forget to Skip the Month?
Spend down accumulated credits too. Credits earned on or after October 22, 2025 expire 12 months after purchase, so letting them pile up is no longer safe.1Savage X Fenty. Do Member Credits Expire?