Orbro LLC Charge on Bank Statement: Fraud or Legit?

An Orbro LLC charge on your bank statement is almost certainly unauthorized, and you should dispute it with your bank as soon as you see it. Orbro LLC stopped processing credit card transactions in 2014 and finished winding down its operations by 2020, so no legitimate charge should carry this name today.¹ The company itself says it cannot issue refunds and directs anyone who sees the charge to contact their bank. How quickly you act determines how much of the loss you’re protected from.

Who Orbro LLC Is Today

Orbro LLC is a Michigan-based company that once offered payment processing services. On its own website, Orbro states it closed to new business in 2014 and completed its wind-down by 2020, has not processed a credit card transaction since 2014, and warns that no online listing contains valid contact information for the company.¹ There is no support line to call and no active merchant account behind the name.

Older writeups still describe Orbro as an active processor handling subscriptions for digital or adult-entertainment sites. That may have been accurate years ago. It is not accurate now. A charge posted under this name in 2025 or 2026 is not moving through Orbro’s payment infrastructure, because that infrastructure no longer exists.

Why a Defunct Company Name Appears on Your Statement

Fraudsters sometimes route unauthorized charges through billing descriptors tied to companies that have stopped operating. A defunct name is less likely to trip fraud-detection systems because it once had a legitimate processing history. The charge can also come from a compromised card number being tested. Consumers often report small or zero-dollar charges under this name first, which is a common way to confirm a stolen number works before larger fraudulent purchases follow.

The mechanism doesn’t change what you can do. Orbro’s own position is that it has no relationship to any current charge and cannot address it.¹ The remedy runs through your bank or card issuer.

What to Do the Moment You See the Charge

Speed matters. Federal law ties your financial liability directly to how quickly you notify your bank. Work through these steps in order:

Freeze or cancel the affected card. Most banking apps let you lock a debit or credit card instantly, which stops further charges on the same number.
Save the transaction details. Screenshot the date, dollar amount, and any alphanumeric code that appears alongside “Orbro LLC.” You’ll need them for the dispute.
Scan at least 60 days of prior statements. Fraud under one descriptor often travels with smaller test charges you may have overlooked.
Call the number on the back of your card and report the charge as unauthorized. For a credit card, follow up in writing, because the law treats written notice differently from a phone call.

Once your bank issues a replacement card, update any recurring legitimate subscriptions that were billing the old number.

Disputing a Credit Card Charge

Credit card disputes fall under the Fair Credit Billing Act. You have 60 days from the date the statement containing the error was sent to submit a written billing error notice to your card issuer.² “Written” is the operative word. Calling is smart and you should do it right away, but a phone call alone doesn’t trigger the full protection. Federal regulation defines a billing error notice as a written communication received at the creditor’s designated billing inquiry address.³

Your notice needs three things: your name and account number, a statement that the charge is an error along with the dollar amount, and the reason it’s wrong. Here the reason is short: the charge came from a company defunct since 2020 and you did not authorize it. Send the letter to the billing inquiry address on your statement, not the payment address. Certified mail with return receipt is worth the small cost because it proves when the issuer received the notice.

While the investigation is open, the issuer cannot try to collect the disputed amount or report it as delinquent to credit bureaus.³

Disputing a Debit Card Charge

Debit disputes run under the Electronic Fund Transfer Act. The protections are real but the timelines are tighter, and delay costs you more. Contact your bank as soon as you spot the charge. The debit framework doesn’t require written notice to preserve your rights, though putting it in writing still creates a paper trail.⁴

After you report the error, the bank has 10 business days to investigate. It can extend the investigation to 45 days, but only if it provisionally credits your account within those first 10 business days so you have access to the money while it works.⁵ If the bank asks for written confirmation of an oral report and doesn’t receive it within 10 business days, it can skip the provisional credit, which is another reason to put your report in writing after the initial call.

If the bank finds no error, it must explain the finding in writing and can reverse any provisional credit. You can request copies of the documents it relied on. Given Orbro’s own confirmation that it has processed nothing since 2014, that investigation should be short.

How the Reporting Clock Affects Your Liability

The clock starts when your bank sends you the statement showing the unauthorized charge. Missing a deadline can shift the loss from the bank to you.

On a credit card, filing your written notice inside the 60-day window caps your liability under federal law. Miss it and you lose the legal leverage that forces the issuer to investigate.²

Debit cards use a tiered structure that gets worse the longer you wait:

Report within 2 business days of learning your card was compromised, and your maximum liability is $50 or the amount of the charge, whichever is less.⁶
Report between 2 and 60 days after the statement is sent, and liability can climb to $500 for unauthorized transfers that happened after the two-day window.⁷
Wait past 60 days, and you can be responsible for the full amount of any unauthorized transfers that happen after that 60-day period ends and before you finally report.⁷

An important wrinkle applies to an Orbro-type charge. When the unauthorized activity doesn’t involve a lost or stolen physical card, the first two tiers generally don’t apply. If someone used your account number without ever holding your card, liability for charges in the first 60 days is typically zero, and it kicks in only for unauthorized transfers that happen more than 60 days after the statement was sent and before you report. That’s the likely scenario here. Even so, reporting quickly is the safest move, because it prevents new unauthorized charges from stacking up on the account.

When to File a Fraud Report

Disputing the charge handles the money. It doesn’t address the possibility that your account information is circulating. If the Orbro LLC charge sits alongside other unfamiliar transactions, or if new unauthorized charges appear after your card is replaced, file a report at ReportFraud.ftc.gov. If you have reason to think your personal information has been stolen more broadly, IdentityTheft.gov walks you through a recovery plan that includes fraud alerts on your credit reports and disputes on fraudulent accounts.⁸

1
Orbro.com. Orbro
2
Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
3
Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution
4
Federal Deposit Insurance Corporation. What Should I Do if I Have Unauthorized Charges on My Debit Card
5
Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors
6
Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
7
Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
8
Federal Trade Commission. Report Identity Theft