A “MYPERFCVRLTR” charge on your bank or credit card statement is a subscription billing from MyPerfectCoverLetter, an online cover letter builder operated by Bold LLC of Guaynabo, Puerto Rico. In almost every case, the charge comes from a 14-day low-cost trial that converted into a full-price recurring subscription when it wasn’t canceled in time.1MyPerfectCoverLetter. Frequently Asked Questions
How the Charge Appears on Your Statement
Different banks truncate the merchant name differently, so the same subscription can show up under several descriptors. According to MyPerfectCoverLetter’s contact page, the common variants are:2MyPerfectCoverLetter. Contact Us
- BLD*MYPERFCOVERLETTER
- MYPERFECTCOVERLETTER
- MYPERFCOVRLETR
- BLD*CVRLTR
The “BLD” prefix is Bold LLC, the parent company processing the payment. “myperfcvrltr” is just a further shortening of the same descriptor.
Why You’re Being Charged
MyPerfectCoverLetter offers free plain-text downloads, but formatted templates and unlimited edits sit behind a paid “Full Access” subscription. The usual entry point is a 14-day trial priced at a few dollars that automatically renews at the full subscription rate unless you cancel before the trial ends.1MyPerfectCoverLetter. Frequently Asked Questions Exact pricing isn’t published on the FAQ or terms pages; the specific plan and amount are in the confirmation email sent when you signed up.
This is a recurring complaint pattern. The Better Business Bureau profile for Bold LLC lists 251 complaints over the past three years, 55 of them classified as billing issues. Consumers routinely report being charged monthly fees after a trial priced around $1.95 or $2.95, saying they didn’t realize the trial would auto-renew or thought they had canceled. Bold responds that its terms are disclosed on the offer page, payment page, and confirmation email, and that its records show no cancellation attempt. Even so, the company frequently issues partial or full refunds once a complaint is filed through the BBB.3Better Business Bureau. Bold LLC Complaints
How to Cancel the Subscription
MyPerfectCoverLetter’s terms say you can cancel or suspend the subscription at any time by logging in and using the “My Accounts” or “My Settings” section.4MyPerfectCoverLetter. Terms and Conditions Cancel first, then pursue a refund. Otherwise the next billing cycle may hit while you’re still arguing about the last one.
Some BBB complainants have reported trouble finding a clear cancellation option inside the dashboard. If that happens, contact Bold’s customer support directly. If support doesn’t resolve it, filing a complaint through the Better Business Bureau has produced refunds in the complaint record, even though the company’s written terms state that fees are non-refundable.3Better Business Bureau. Bold LLC Complaints
One note on refund windows: the sibling site MyPerfectResume advertises a 14-day money-back guarantee on premium access.5MyPerfectResume. Pricing Whether a similar window applies to your MyPerfectCoverLetter purchase depends on the specific offer you accepted, which is spelled out in your confirmation email.
Disputing the Charge With Your Card Issuer
If the company won’t refund you, you can dispute the charge directly with your credit card issuer under the Fair Credit Billing Act. Submit the dispute in writing to the issuer’s billing inquiries address within 60 days of the statement containing the charge. Include your name, account number, a description of the disputed charge, and copies of any supporting documents such as the confirmation email, cancellation attempt, or screenshots. Certified mail gives you proof of delivery.6Federal Trade Commission. Using Credit Cards and Disputing Charges
Once filed, the issuer must acknowledge the dispute within 30 days and resolve it within 90 days. You can withhold payment on the disputed amount during the investigation without being reported as delinquent, and your liability for unauthorized charges is capped by federal law at $50. If the issuer sides with the merchant, you have 10 days to appeal, and you can also file a complaint with the Consumer Financial Protection Bureau.6Federal Trade Commission. Using Credit Cards and Disputing Charges
Your Rights Under Auto-Renewal Laws
Federal law gives you real leverage here. The Restore Online Shoppers’ Confidence Act (ROSCA) requires online sellers using auto-renewal billing to clearly disclose all material terms before collecting payment information, obtain your express informed consent before charging, and provide a simple way to cancel. Violations can carry civil penalties of up to $53,088 per violation. ROSCA and the 1973 Negative Option Rule remain in effect as of early 2026.7Federal Register. Negative Option Rule
If you signed up from California, state law gives you more. The California Automatic Renewal Law, as amended effective July 1, 2025, requires businesses to get express affirmative consent, offer cancellation in the same medium used to sign up, send annual renewal reminders, give advance notice of price changes, and display a “click to cancel” button alongside any retention offers during cancellation.8State of California. California Business and Professions Code Section 17602 Colorado, Connecticut, Massachusetts, Minnesota, New York, and Utah have their own enhanced auto-renewal protections as well. Citing the applicable rule in a written complaint, especially one sent to the card issuer or state attorney general, tends to move things along.