A “My Crisis Gear” charge on your bank or credit card statement is almost always a recurring monthly subscription fee, typically between $49.95 and $54.09, billed by a Texas company that sells tactical and survival products online. Hundreds of consumers have reported being enrolled in the subscription without realizing it after buying a low-cost item such as a holster, laser bore sighter, or pair of sunglasses. On statements the line item may read “MCG Tac,” “MCG Tactical,” or “My Crisis Gear.”1BBB. MCG Tactical Complaints
Where the Charge Comes From
My Crisis Gear is an alternate business name for MCG Tactical, a Texas LLC operating out of Allen and Austin. It also does business as Amex li Sporting, Ultimate Survival Strategies LLC, and Uncensored Survival, so a charge from any of those names traces back to the same company.2BBB. MCG Tactical Business Profile
The recurring fee comes from what the company calls a “newsletter” or magazine subscription trial bundled into checkout when a customer buys a tactical product. In its own responses to complaints, the company says the trial is included with the initial purchase and automatically converts to a paid monthly subscription if the customer does not cancel during the trial window, and that the offer is “highlighted clearly on the checkout page, in the order confirmation email, and in your account details.”1BBB. MCG Tactical Complaints
Consumers describe it differently. Many say they never knowingly agreed to any subscription, call the enrollment “hidden” or “deceptive,” and report never receiving any newsletter for the money taken from their accounts. One user on a concealed-carry forum reported being charged $49.97 per month for a subscription they didn’t know they had.3USCCA Community. Warning: My Crisis Gear Charges The Better Business Bureau has recorded 216 complaints against MCG Tactical over the most recent three-year reporting period, with 111 closed in the last twelve months. The company has a B- rating and is not BBB-accredited.4BBB. My Crisis Gear Business Profile Some consumers have reported that charges continued even after they canceled the card originally used; one complainant in March 2025 said the company was “still attempting to charge my debit card again (and again) at least once a week.”5BBB. MCG Tactical Complaints Page 13
How to Cancel and Get Your Money Back
Complaint outcomes point to a short list of moves that actually work.
File a BBB complaint. This has been the single most effective route. In case after case, the company responded to a formal BBB complaint by processing a full refund of subscription charges and confirming cancellation. Of the 216 complaints on file, all but one were resolved through this process.4BBB. My Crisis Gear Business Profile Filing is free on the BBB website.
Call the company. Some consumers have reached customer service at 800-370-8660 and gotten a cancellation and refund by phone. Many others report that calls and emails go unanswered, so don’t rely on this alone.5BBB. MCG Tactical Complaints Page 13
Dispute the charge with your bank or card issuer. If the company won’t respond, contact your credit card company or bank, report the charges as unauthorized, and ask them to open a chargeback. Under the federal Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and many issuers apply zero-liability policies on top of that.6FTC. Using Credit Cards and Disputing Charges
To use the FCBA process, send a written billing error notice to the address your issuer designates for billing inquiries within 60 days of the statement that first showed the charge. The issuer must acknowledge your dispute within 30 days and resolve it within 90 days. While the investigation is open, the issuer cannot report you as delinquent on the disputed amount or take collection action on it.7Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
If charges keep hitting the same card after you cancel, ask your issuer to block the merchant or issue you a new card number. For a debit card, request that the bank stop payment on future recurring charges from the merchant in writing.
Keep copies of everything: the original order confirmation, all statements showing the charges, and dates of every call or email. That paper trail strengthens whichever dispute you file.5BBB. MCG Tactical Complaints Page 13
Filing a Government Complaint
Because MCG Tactical is based in Texas, you can file a complaint with the Texas Attorney General’s Consumer Protection Division. The office accepts reports of “false, misleading, or deceptive business practices” through an online portal, and billing or refund issues are explicitly listed as a covered category.8Texas Attorney General. File a Consumer Complaint Under Texas’s Deceptive Trade Practices Act, a consumer who can show a business knowingly deceived them may recover up to three times their actual damages in a private lawsuit. The Attorney General’s office does not represent individual consumers in court.9Texas Attorney General. Consumer Rights
At the federal level, the FTC accepts consumer complaints and has pursued companies with deceptive subscription practices, including an $8.5 million settlement with Care.com over undisclosed subscription terms and difficult cancellation, and a $2.5 billion settlement with Amazon over its Prime enrollment practices.10FTC. Negative Option Rule No FTC action has targeted My Crisis Gear specifically.
What the Law Says About This Kind of Billing
Auto-enrolling a buyer into a recurring subscription during checkout for a different product is what federal regulators call “negative option” marketing. The FTC’s updated Negative Option Rule, published in November 2024 with a compliance date of May 14, 2025, made it an unfair or deceptive practice to charge for a recurring subscription without clear and conspicuous disclosure of the terms and “unambiguously affirmative consent,” and required cancellation to be at least as simple as sign-up.11Federal Register. Negative Option Rule
The Eighth Circuit Court of Appeals vacated that rule in July 2025 on procedural grounds, so it is not currently enforceable as a standalone regulation. The FTC opened a new rulemaking in early 2026 and has continued to bring cases under Section 5 of the FTC Act and the Restore Online Shoppers’ Confidence Act. In a recent case against NextMed, the FTC used the same standards from the vacated rule (failure to disclose material terms, lack of informed consent, burdensome cancellation) as the basis for standalone Section 5 violations.10FTC. Negative Option Rule Roughly 30 states have their own automatic-renewal laws with similar disclosure and cancellation requirements.
None of that guarantees a refund on its own. But it explains why the BBB and chargeback routes tend to work: the company has a clear incentive to resolve individual disputes quietly rather than let them accumulate as evidence of a pattern.