A MyPersonality.net charge on your bank or credit card statement comes from an online personality quiz operated by Character Types LLC. Most people notice it after paying a small fee for quiz results and later discovering that the payment enrolled them in a recurring monthly subscription. You can stop it: cancel with the company, ask for a refund within 30 days, and dispute the charge with your bank if the company won’t cooperate.
What the Charge Is
MyPersonality.net sells online personality quizzes that promise detailed reports on temperament, career fit, and behavioral traits. It’s run by Character Types LLC in Los Angeles and is affiliated with a second quiz site, Gyfted.me. A quiz you took on Gyfted.me can end up billed under the MyPersonality name, which is one reason the charge looks unfamiliar.
On a statement, the charge shows up under several descriptors. Common ones include “MYPERSONALITY.NET,” “Character Types LLC,” and “personpay.net.” If you see any of those and don’t recognize them, a personality quiz you took recently is almost certainly the source. Complaints filed with the Better Business Bureau describe the same charges appearing under varying names, which makes them harder to trace back to the original quiz.
How You Got Signed Up
The pattern is consistent. You take a quiz, you’re offered your full results for a small fee (often around $1.99), and the checkout page includes an agreement to a recurring monthly subscription. The company’s terms state that if you don’t cancel during the trial period, the subscription automatically renews at the recurring rate shown at sign-up.1MyPersonality. Terms and Conditions BBB complaints describe follow-on charges of $27.88 per month after the initial $1.99, with some users reporting different monthly amounts.
Federal law targets this kind of structure. The Restore Online Shoppers’ Confidence Act requires online sellers using “negative option” features to clearly disclose all material terms before taking your payment information, obtain informed consent before charging you, and offer a simple way to cancel.2Federal Trade Commission. Restore Online Shoppers Confidence Act The FTC’s amended negative option rule, finalized in late 2024, also requires that cancellation be as easy as sign-up: if you subscribed online, the seller must let you cancel online.3Federal Trade Commission. Click to Cancel – The FTCs Amended Negative Option Rule If the recurring terms were buried or you never clearly agreed to them, that’s relevant when you dispute.
How to Cancel
MyPersonality.net offers two cancellation channels: phone at 855-342-8558 or email at support@mypersonality.net. Their terms say you can cancel at any time through either method.1MyPersonality. Terms and Conditions If your account dashboard has a “Manage Subscription” option, that works too, but phone or email leaves a paper trail that matters if you later need to dispute.
Get written confirmation. A useful confirmation includes the effective date of cancellation, an account or reference number, and a note on whether any final charge will apply. If you cancel by phone, ask the representative to send a confirmation email before you hang up. If you cancel by email, save the whole thread.
Watch your statement for at least two more billing cycles. If another charge posts after cancellation, the confirmation record is your strongest evidence.
How to Request a Refund
The company’s refund policy gives you 30 days from your initial purchase to request a full refund. Requests go through the same channels as cancellation: 855-342-8558 or support@mypersonality.net. The company states it will acknowledge the request and work to resolve it within 24 hours.1MyPersonality. Terms and Conditions
Include the date of the charge, the amount, and the last four digits of the card that was billed. Keep it factual. If you never knowingly agreed to a subscription, say so directly. Save every response.
Don’t count on a prorated refund for unused days in a billing cycle. No federal law requires digital subscription services to refund partial months. If you’re offered a partial refund, you can accept it or escalate.
How to Dispute the Charge With Your Bank
If the company ignores you or the charge was never authorized, dispute it with your card issuer or bank. The process is free. Timing rules differ for credit and debit.
Credit Card Disputes
The Fair Credit Billing Act covers credit card users. You have 60 days from the date the statement containing the charge was sent to notify your issuer in writing.4Federal Trade Commission. Fair Credit Billing Act The issuer must acknowledge your notice within 30 days and finish its investigation within two billing cycles, capped at 90 days. During the investigation, it can’t report the disputed amount as delinquent.
Beyond the FCBA window, the card networks give you more time. Both Visa and Mastercard allow chargebacks for canceled recurring transactions within 120 days of the charge, handled through your issuer’s chargeback department.
Debit Card Disputes
Debit cards fall under the Electronic Fund Transfer Act. You have 60 days from when the statement was sent to report the problem, but your liability grows the longer you wait. Report an unauthorized transfer within two business days of discovering it and your maximum liability is $50. Wait longer than two days but less than 60, and it can rise to $500.5Federal Reserve. Error Resolution and Liability Limitations Under Regulations E and Z Check statements regularly and act quickly.
What to Bring to Your Bank
Documentation speeds the dispute. Useful records include:
- Your cancellation confirmation email, reference number, or screenshot
- Copies of your refund request emails and any replies
- The statement showing the disputed transaction, with the charge highlighted
- The company’s terms of service, if you can show the recurring terms were not clearly disclosed
If phone support isn’t moving the case, go to a branch. Branch staff can escalate to back-office dispute teams more effectively than a call center.
Filing a Regulatory Complaint
If the company stays silent and your bank’s dispute stalls, two federal agencies accept consumer complaints. The Consumer Financial Protection Bureau takes complaints online in about ten minutes; you’ll need the company’s name, your contact information, a description of what happened, and any supporting documents. The CFPB forwards the complaint to the company and requires a response.6Consumer Financial Protection Bureau. Submit a Complaint
You can also report the business at ReportFraud.ftc.gov. FTC complaints don’t resolve individual cases, but they feed enforcement databases. When ROSCA disclosure or cancellation failures show up as a pattern, the FTC investigates.2Federal Trade Commission. Restore Online Shoppers Confidence Act
Preventing the Next One
The MyPersonality charge slips past people because the subscription is easy to miss at checkout. Before entering payment information on a quiz or assessment site, look for pre-checked boxes that enroll you in a subscription. Read the text right next to the “Submit” or “Pay” button, not just the marketing above it. If a site wants your card to “verify your identity” or unlock “free” results, expect a recurring charge.
Consider a virtual card number for one-time online purchases. Many card issuers generate a temporary number that expires after a single transaction, so a merchant can’t successfully rebill it the following month. For subscriptions you actually want, a calendar reminder set a few days before renewal gives you time to cancel before the next charge posts.