A charge from Personality.co on your bank or credit card statement is a subscription fee for an online personality-quiz service. It almost always begins as a $1.95 seven-day trial that converts to $39.95 every four weeks unless you cancel first. If you don’t remember signing up for anything recurring, you’re not alone: the trial is usually entered on a payment screen that appears after a “free” quiz, and the auto-renewal terms are easy to miss.
Where the Charge Comes From
Personality.co sells psychometric quizzes marketed as insights into your character, emotions, and career fit. The quiz itself is free, and most people arrive through a social media ad or search result. When you reach the end, the detailed report sits behind a paywall, and to unlock it you enter a credit or debit card.
That card entry starts the subscription. The current US offer is a 7-day trial for $1.95 that renews at $39.95 every four weeks; a standard monthly plan without the trial is also $39.95. The dollar amount on your statement will match one of those figures, and it will keep appearing on a four-week cycle until you cancel.
How to Cancel Your Subscription
Personality.co has a self-service cancellation page at personality.co/cancel-subscription. Enter the email address you used at signup and follow the prompts. You can also log in, open the Membership tab, and click Cancel Subscription. If you’re not sure which email you used, search your inbox for messages from “Personality” — the original confirmation email will have it.
Before you cancel, open your statement and write down the exact date, amount, and transaction ID for the charge. Keep the cancellation confirmation email when it arrives. Those two pieces of paper trail matter if the charges continue or if you need to escalate to your bank.
Cancel first, even if you plan to dispute. Canceling stops the next charge from posting and shows your bank you took reasonable steps with the merchant.
Disputing a Personality.co Charge on a Credit Card
If the company won’t refund you, or you believe you never agreed to the recurring charge, your next step depends on the card type. Credit cards give you more.
The Fair Credit Billing Act lets you dispute billing errors on a credit card, including charges for goods or services you didn’t accept or that weren’t delivered as described. Your maximum liability for unauthorized credit card charges is $50. To trigger the statute’s protections, you must send a written dispute to your card issuer’s billing inquiries address within 60 days of the statement date that first showed the charge.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Written is the word that trips people up. A phone call to your card company does not preserve your FCBA rights on its own. Use the issuer’s online dispute portal (which generates a written record) or mail a letter to the billing inquiries address on your statement. Include your name, account number, the disputed amount, and a short explanation of why the charge is wrong.
Once your issuer receives the written dispute, it must acknowledge it within 30 days and resolve it within two billing cycles, no more than 90 days.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors During the investigation, the issuer cannot try to collect the disputed amount or report it as delinquent.
Disputing a Personality.co Charge on a Debit Card
Debit card disputes run through the Electronic Fund Transfer Act and Regulation E, and the protections are weaker. What you can recover depends mostly on how fast you report.
- Within 2 business days: Your liability caps at $50 or the amount of unauthorized transfers before you notified the bank, whichever is less.
- Between 2 and 60 days: Liability rises to as much as $500.
- After 60 days: You could be on the hook for the full amount of any unauthorized transfers that happen after the 60-day window closes.
The 60-day clock starts when your bank sends the statement showing the charge, not when you open it.2Consumer Financial Protection Bureau. Regulation E 1005.6 – Liability of Consumer for Unauthorized Transfers
Once you report the error, your bank generally has 10 business days to investigate. It can extend to 45 days, but only if it provisionally credits your account within those first 10 business days so you’re not out the money while the review continues.3Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors
Stopping Future Charges Through Your Bank
If you paid by debit card and the merchant keeps billing you, Regulation E gives you a separate tool: a stop-payment order on preauthorized transfers. Notify your bank orally or in writing at least three business days before the next scheduled charge, and the bank must block it. Oral notice can be required in writing within 14 days; miss that follow-up and the stop-payment order lapses.4Consumer Financial Protection Bureau. Regulation E 1005.10 – Preauthorized Transfers
Banks typically charge $20 to $35 per stop-payment order, and each order usually covers only one transaction, so you may need a fresh one for each cycle. Credit cards have no equivalent federal stop-payment right, but most issuers will block a specific merchant on request. The most reliable fix on either card type is to have the card reissued with a new number.
Filing Complaints With Federal Agencies
If your bank or card issuer mishandles the dispute, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling (855) 411-2372. The CFPB forwards your complaint to the company and typically gets a response within 15 days.5Consumer Financial Protection Bureau. Submit a Complaint
To report the merchant’s billing practices, file at ReportFraud.ftc.gov. The FTC won’t resolve your individual charge, but reports go into a database shared with more than 2,000 law enforcement agencies and help the agency spot patterns.6Federal Trade Commission. ReportFraud.ftc.gov Filing with both agencies takes about 15 minutes and creates an official record you can point to if you need to push the case further.