A charge from Our Vacation Center on your bank or credit card statement almost always traces back to a travel club membership renewal, a cruise or resort deposit, or a booking fee tied to a timeshare exchange or loyalty program. The company processes travel transactions on behalf of larger hospitality brands and banks, which is why the name on your statement doesn’t match whoever you thought you were dealing with. If you don’t recognize the charge, you have two things to do in parallel: cancel the underlying membership in writing so it stops billing you, and dispute the charge with your card issuer under federal law.
Why the Charge Is There
Three scenarios cover almost every case.
The first, and most common, is an automatic membership renewal. Travel clubs affiliated with this provider typically renew annually, and the cancellation window after enrollment is short. Most members get 10 days; Florida residents get 30 days under state law. Once that window closes, the company is pre-authorized to charge the card on file when your term expires.1Vacation Rewards. Terms and Conditions People often sign up during a timeshare presentation, a credit card promotion, or a cruise deal, then forget the recurring terms until the renewal hits a year later.
The second is a cruise or resort deposit. Bookings made through a travel club run through this fulfillment name, and some consumers have reported a single deposit split across multiple smaller charges rather than posting as one amount.
The third is a booking or exchange fee, charged separately when you redeem loyalty points or trade timeshare credits for a travel package.
The company handles travel bookings for other brands rather than selling under its own name. Confirmed relationships include Club Wyndham South Pacific, where it services Lifestyle by Wyndham Benefits members,2Club Wyndham South Pacific. Our Vacation Centre (OVC) and a connection to Arrivia, Inc., a Scottsdale, Arizona travel company formerly known as International Cruise & Excursions that powers travel platforms for banks, timeshare developers, and retail loyalty programs.3Travel Weekly. Arrivia That’s why the statement name doesn’t match the brand you originally signed up with.
How to Cancel and Stop Future Billing
Cancellation requires written notice or an online cancellation through your account portal. For at least one affiliated program, Vacation Rewards, written requests go to:
Vacation Rewards
Attn: Cancellations
15147 N. Scottsdale Rd., Suite 210
Scottsdale, AZ 852541Vacation Rewards. Terms and Conditions
You can also cancel by logging into your online account, sending an email, or faxing a signed and dated notice. Whichever route you use, create a record. Certified mail with return receipt, a screenshot of an online confirmation, or an email with a read receipt all work. If the company later claims you never canceled, that paper trail is your defense.
Whether you get money back depends on timing. Non-Florida residents typically have 10 days from enrollment for a full refund; Florida residents have 30. After those windows close, canceling stops future charges but fees already paid are generally nonrefundable.1Vacation Rewards. Terms and Conditions If your membership was sold under a different brand, check your original agreement for the correct address and deadline, which may differ.
Disputing the Charge With Your Card Issuer
If the company won’t refund you, or if the charge was never authorized in the first place, the Fair Credit Billing Act gives you a formal process. You must send a written billing error notice to your credit card issuer within 60 days of the statement date on which the charge appeared.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Send it to the billing inquiry address on your statement, not the payment address. Include your name, account number, the disputed amount, and why you believe the charge is wrong.
Once the notice arrives, the issuer must acknowledge it in writing within 30 days. It then has two full billing cycles, capped at 90 days, to investigate and either correct the error or explain in writing why the charge is valid.5Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is open, the issuer cannot try to collect the disputed amount or report it as delinquent.
A few practical points. Send the letter by certified mail. Many banks let you open a dispute through their app, which is faster, but follow up with written notice because the statute requires it. The 60-day clock is firm; miss it and you lose your rights under this law for that charge, even if the billing was genuinely unauthorized.
Federal Rules That May Help You
Travel clubs that auto-renew are subject to the Restore Online Shoppers’ Confidence Act. That law makes it illegal to charge you through a negative option feature unless the seller clearly disclosed all material terms before collecting your billing information, obtained your informed consent to charge you, and provided a simple way to stop recurring charges.6Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet Buried auto-renewal terms or a deliberately difficult cancellation process may violate this law.
The FTC’s click-to-cancel rule took full effect in May 2025. Cancellation must now be at least as simple as sign-up. If you enrolled online in a few clicks, the company has to let you cancel online with comparable ease. The rule also prohibits misrepresenting material facts about a subscription and requires clear disclosure before payment information is collected.7Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule A travel club that forces you to call and sit through a retention pitch after you signed up online likely runs afoul of it.
If the company hid the renewal terms or made cancellation deliberately difficult, mention that when you write your bank and when you file a regulatory complaint. It strengthens both.
Escalating When the Company Won’t Cooperate
When cancellation and a bank dispute don’t resolve things, file a complaint with the Federal Trade Commission at ftc.gov/complaint. The FTC does not resolve individual disputes, but patterns of complaints can trigger investigations.
Also file with your state attorney general’s consumer protection division. Most states have an online complaint form, and some states have their own automatic renewal laws that add protection beyond the federal rules. Search your state attorney general’s website for “consumer complaint” to find the intake process.
If the membership was sold to you during a timeshare presentation, your state’s real estate regulatory agency may also have jurisdiction, since timeshare sales and the travel clubs bundled with them often fall under real estate disclosure laws.
What to Pull Together First
Before you call anyone or file anything, gather the paperwork. Find your original membership agreement or the digital welcome email from when you signed up. That document has your member ID, the auto-renewal terms, the cancellation deadline, and the refund policy. If you can’t locate it, search your email for Vacation Rewards, Our Vacation Center, Arrivia, or the travel brand you originally dealt with.
From your statement, note the exact charge amount, the transaction date, and any merchant reference number. If there are multiple charges, list each one separately. Compare what was billed against the terms in your agreement. That comparison is the foundation of every step that follows, whether you’re negotiating with the company, disputing with your card issuer, or escalating to a regulator.