A charge labeled “NEWPHX” or “NEWPHXSAVNOW” on your bank statement, usually for $19.97 and tagged to San Diego, CA, is a recurring billing descriptor tied to an online health or wellness subscription.1JustAnswer. Unrecognized Charge Appeared on Bank Statement If you don’t remember signing up for anything, the most likely explanation is a free trial or a one-time telehealth consultation that quietly converted into a monthly membership. You can stop it by canceling with the merchant and, if that fails or the charges are unauthorized, disputing them with your card issuer or bank.
What the Charge Is
The “NEWPHXSAVNOW” descriptor is associated with a subscription-based health service. Charges show up at $19.97 per month with a San Diego billing location, and the pattern has been flagged repeatedly by consumers who don’t recognize the merchant.1JustAnswer. Unrecognized Charge Appeared on Bank Statement
This matches a familiar setup in online health services. The FTC has documented complaints from consumers who used a telehealth platform for a single consultation and later discovered they had been enrolled in automatic monthly fees. In one case the hidden subscription surfaced only after the consumer’s card was flagged for fraud, and the company insisted the recurring charge was “required to use the service in the first place.”2Federal Trade Commission. How to Stop Subscriptions You Never Ordered
Cancel the Subscription First
The fastest way to stop future billing is to cancel inside the service that’s charging you. For MyHealth-branded services tied to this descriptor, you can cancel from the profile page on the platform. Once you cancel, no further billing cycles run, but access continues through the end of the current period and fees already paid are generally non-refundable under the platform’s stated policy.3MyHealth iCaresecure. Refund Cancellation Policy
No login, no obvious account? Email the support address listed for the MyHealth platform at myhealth@icaresecure.com, or use any contact information on your charge receipt.3MyHealth iCaresecure. Refund Cancellation Policy If the merchant doesn’t respond, move to a dispute with your bank.
Dispute the Charge With Your Bank
Your rights and deadlines depend on whether the charge hit a credit card or a debit card. In both cases, speed matters.
If It Was a Credit Card
Credit card disputes fall under the Fair Credit Billing Act. Send a written billing error notice to the card issuer’s designated billing inquiry address within 60 days of the date the statement containing the charge was sent to you.4Federal Trade Commission. Disputing Credit Card Charges Include your name, account number, the dollar amount and date of the charge, and why you believe it’s wrong. Mail it certified with return receipt so you have proof of delivery.5Fairfax County Consumer Services. Credit Cards – Understanding the Fair Credit Billing Act
While the dispute is open, you don’t have to pay the disputed amount or related interest, but you do have to keep paying the rest of the bill.6FDIC. Consumer News – Disputing Charges The issuer must acknowledge your dispute in writing within 30 days and resolve it within two billing cycles, up to a maximum of 90 days.5Fairfax County Consumer Services. Credit Cards – Understanding the Fair Credit Billing Act Federal law caps your liability for unauthorized credit card charges at $50, and liability for fraudulent online transactions is $0.
If It Was a Debit Card
Debit cards are governed by the Electronic Fund Transfer Act and Regulation E, and the deadlines are tighter. If the card itself wasn’t lost or stolen but an unauthorized charge appeared on your statement, notify your bank within 60 days of the statement date to keep your liability at $0.7Consumer Financial Protection Bureau. Regulation E – Section 1005.66FDIC. Consumer News – Disputing Charges
After you report the error, the bank generally has 10 business days to investigate. If it needs longer, it must issue a provisional credit for the disputed amount (minus up to $50) while the investigation continues, and the full process can run up to 45 days for domestic transactions.8Consumer Financial Protection Bureau. How Do I Get My Money Back After an Unauthorized Transaction Your bank cannot require you to visit a branch, file a police report, or contact the merchant first before it opens the investigation.9Federal Reserve. Error Resolution and Liability Limitations Under Regulations E and Z
If the Bank or Merchant Won’t Resolve It
Escalate to a federal agency. The CFPB takes complaints online at consumerfinance.gov/complaint or by phone at (855) 411-2372.10Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill The FTC collects reports on deceptive subscription practices; it doesn’t resolve individual disputes, but patterns of complaints drive its enforcement choices.2Federal Trade Commission. How to Stop Subscriptions You Never Ordered For disputes involving an FDIC-insured bank, you can also contact the FDIC at 1-877-275-3342.6FDIC. Consumer News – Disputing Charges
Why This Keeps Happening
The FTC has started going after telehealth companies that bury recurring charges. In December 2025 it finalized a settlement with Southern Health Solutions, Inc., parent of the telemedicine platform NextMed, in what the agency called its first enforcement action focused on membership billing practices in healthcare. The FTC alleged NextMed used deceptive pricing, hid 12-month commitments and early termination fees, made unsubstantiated weight-loss claims, and published fake reviews. The company and its principals agreed to pay $150,000 in consumer refunds.11Federal Trade Commission. NextMed Cases and Proceedings The underlying pattern is consistent: a cheap consultation or trial captures a card number, and consent for ongoing billing is disclosed thinly, if at all.