A Promosive charge on your statement is almost always an unauthorized transaction tied to compromised card details, not a purchase you forgot about. The name does not match any known company, subscription, or legitimate billing descriptor, and it has surfaced in banking communities alongside other suspicious merchants attempting small transactions on cards whose numbers appear to have been stolen.1Monzo Community. Unauthorised Payments Online – TikTok, Pixfizz, Etc If you did not authorize the charge, you can get the money back, but the steps and the deadlines matter.
Call Your Bank First
Phone the number on the back of your card as soon as you spot the charge and report it as unauthorized. Ask the bank to block the card and issue a replacement with a new number. On a credit card, federal law caps your liability for unauthorized charges at $50, and most major issuers waive even that.2Federal Trade Commission. Using Credit Cards and Disputing Charges Debit card protections depend on how quickly you report the fraud, so make the call the same day if you can.
Follow Up in Writing Within 60 Days
A phone call alone does not preserve your full rights under federal billing-error rules. Send a written dispute to the address your card issuer designates for billing errors, and make sure it arrives within 60 days of the statement date on which the Promosive charge first appeared.3Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
The letter should include your name, account number, the date and amount of the charge, and a plain statement that the transaction was not authorized. Certified mail with a return receipt gives you proof of delivery.4California Office of the Attorney General. Credit Cards – Dispute a Charge
Once the issuer receives your written dispute, it must acknowledge receipt within 30 days and resolve the matter within 90 days. While the investigation is open, the issuer cannot report the disputed amount as delinquent, take collection action on it, or damage your credit over the disputed balance.2Federal Trade Commission. Using Credit Cards and Disputing Charges
Check for Other Small, Unfamiliar Charges
Fraudsters commonly test a stolen card number with low-dollar transactions before attempting larger ones. Scroll back through recent statements and flag anything you do not recognize, even charges of only a few dollars. Roughly 15 to 20 million U.S. households are hit with unauthorized third-party charges each year, and only about 5 percent of victims notice them, according to a study cited by ABC News.5ABC News. 95 Percent of Victims Don’t Detect Unauthorized Charges Charges of this kind often carry vague descriptors and cluster in the few-dollars-to-$20 range.
Report the Fraud
You can report the charge to the Federal Trade Commission at ReportFraud.ftc.gov. The FTC does not resolve individual disputes, but reports help federal and state law enforcement identify fraud patterns and act against the entities behind them.6Federal Trade Commission. Solving Problems With a Business – Returns, Refunds, and Other Resolutions If your bank’s internal process stalls, your state attorney general’s office or a local consumer protection office can help mediate or investigate.