A charge from PropertyRecord.com on your bank or credit card statement is almost always a recurring subscription fee, typically $19 to $35 a month, from an online property-data service. Most people who see it signed up for a cheap trial report and didn’t realize the account would automatically roll into a monthly membership. You can cancel the subscription online, and in many cases you can get the charge reversed by your bank.
Where the Charge Came From
PropertyRecord.com is a website that packages publicly available real estate information — deed history, liens, tax assessments, property details — into downloadable reports. Someone with access to your card probably used it to look up a house they were considering, a neighbor’s parcel, or tax records. Checking your email for a confirmation message from PropertyRecord.com, or browser history around the date of the first charge, will usually reveal who signed up.
The billing pattern is consistent. The site offers a short trial, often seven days, for $1 to $5. The sign-up terms say that unless you cancel before the trial ends, the account converts to a monthly subscription at the full price. That recurring charge is what shows up on later statements, sometimes weeks after the trial itself has been forgotten.
How to Cancel the Subscription
PropertyRecord.com has an account closure page at dashboard.propertyrecord.com/close-account.1PropertyRecord.com. Close Account – Public Property Records Enter the email address used at sign-up, follow the prompts, and save any confirmation email or reference number the site sends back. That confirmation is your proof if the charges keep coming.
If you don’t know which email address was used, search your inbox and spam folder for a welcome message or receipt from PropertyRecord.com. The merchant descriptor on your bank statement may be truncated or coded; your bank can help identify the exact merchant if the entry is unclear.
Cancel first, then pursue a refund. Every day the subscription stays active is another day the company can argue you were still using the service.
Disputing the Charge With Your Bank
If the company won’t refund you, or if the charge was never authorized in the first place, the next step is a formal dispute with your card issuer or bank. The rules differ depending on whether you paid with a credit card or a debit card.
Credit Card Charges
The Fair Credit Billing Act gives you the right to dispute billing errors on a credit card, including charges for services you didn’t authorize or didn’t receive as described.2Federal Trade Commission. Fair Credit Billing Act The window is strict: your written dispute must reach the card issuer within 60 days of the date on the statement where the charge first appeared.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Miss it and you lose the law’s protection for that charge, though future recurring charges each have their own 60-day window.
Send your notice to the card issuer’s billing inquiries address, which is often different from the payment address. Include your name, account number, the disputed amount, and a short explanation of why the charge is wrong. Certified mail with return receipt creates a record of when the issuer got it.
Once your dispute arrives, the issuer must acknowledge it within 30 days and resolve the investigation within two billing cycles, no more than 90 days in total.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors It cannot try to collect the disputed amount or report it as delinquent while the investigation runs. Many issuers issue a temporary credit during that period, but the statute itself only prohibits collection activity; it does not require a provisional credit.
Debit Card and Bank Account Charges
If the charge hit a debit card or a bank account, the Electronic Fund Transfer Act and Regulation E apply, and the protections are weaker. Your potential liability depends on how quickly you report the problem:
- Within 2 business days of learning about the unauthorized charge, your liability is capped at $50 or the actual unauthorized amount, whichever is less.4Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- After 2 business days but within 60 days of the statement, your liability can rise to $500.4Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- After 60 days from the statement, you could be liable for the full amount of any unauthorized transfers that occur past that mark.4Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
Regulation E does offer one advantage. If your bank needs more than 10 business days to investigate, it must provisionally credit your account for the disputed amount while it works.5eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors For debit cards, that provisional credit is a legal requirement rather than a courtesy.
Keeping the Charges From Coming Back
After you close the PropertyRecord.com account, check the next two statements to confirm no further charges appear. If they do, the cancellation confirmation you saved becomes the key piece of evidence for a second dispute.
Turning on transaction alerts through your bank’s app catches unfamiliar charges immediately instead of letting them sit unnoticed. The 60-day dispute deadlines under both the Fair Credit Billing Act and Regulation E make early detection important; discovering a charge three months late can cost you the legal protections entirely.
If a debit card was used for the original trial, this is a case where a credit card would have offered stronger protection. The FCBA’s dispute process is more favorable than Regulation E’s tiered liability, and a credit card charge doesn’t pull money directly out of your checking account while you wait for a resolution.