A PropertyRecs.com charge on your bank or card statement is almost always a $30 monthly subscription fee that started after you bought a $1.00 property report. The initial dollar transaction enrolls you in a recurring membership, and the $30 begins hitting your account once that intro period ends. You have three ways to stop it: cancel the subscription with the company, request a refund, or dispute the charge with your bank or card issuer.
Where the $30 Came From
PropertyRecs.com runs a public records lookup site that pulls property data such as prior sale prices, tax assessments, and deed transfers from government sources. Most people find it while searching a single address and pay $1.00 for one report. That $1.00 purchase also authorizes the site to begin billing $30 per month under a subscription plan once the initial period ends.1PropertyRecs.com. Why Am I Being Charged $30 The line item usually appears as “PropertyRecs.com” or a close variant.2PropertyRecs.com. Terms of Service
Consent for the recurring billing is established during checkout when you enter payment information and agree to the terms of service. If you didn’t notice the subscription language, the $30 charge a few weeks after the $1.00 report can feel like it came from nowhere. It didn’t, technically, but you can still get out of it.
How to Cancel the Subscription
The company lists three cancellation channels:3PropertyRecs.com. Cancel
- Phone: 1-866-242-0544
- Email: support@propertyrecs.com
- Live chat on PropertyRecs.com
If you use the member dashboard on the site, expect prompts offering discounts or alternative plans before the cancellation goes through. Keep clicking until you see a confirmation screen. On the phone, ask for a cancellation confirmation number and write it down. Whichever route you take, save a screenshot or the confirmation email. That documentation is what you’ll show the company or your bank if another $30 shows up later.
Access to reports typically runs through the end of the billing cycle you already paid for, and no further charges should post after that date.
How to Request a Refund
PropertyRecs.com’s terms say you can request a refund for any reason through the same channels: phone at 1-866-242-0544, email at support@propertyrecs.com, or live chat.2PropertyRecs.com. Terms of Service Have this ready when you contact them:
- The email address you used to sign up
- Your Member ID, which is in the welcome email sent after the $1.00 purchase
- The last four digits of the card that was charged
- The date the charge appeared on your statement
Many users who reach out promptly report getting a refund without much argument. If the company denies the request or stalls, move to your bank.
Disputing the Charge With Your Bank
The dispute process depends on whether the charge hit a credit card or a debit card, because different federal laws govern each.
Credit Card
Credit cards are covered by the Fair Credit Billing Act. Your maximum liability for an unauthorized charge is $50, and many issuers waive that.4Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card You have 60 days from the date the statement containing the charge was sent to notify the issuer in writing. Include your name, account number, the date and amount of the charge, and a brief reason for the dispute. The issuer must acknowledge within 30 days and resolve the investigation within two billing cycles, up to 90 days. During the investigation it can’t collect the disputed amount or report it delinquent.
Debit Card
Debit cards fall under the Electronic Fund Transfer Act, which is stricter about timing. Your liability depends on how fast you report:5Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
- Within 2 business days of learning about the charge: liability capped at $50
- Between 2 and 60 days after the statement was sent: capped at $500
- After 60 days: you can be liable for the full amount of unauthorized transfers that occur after that window
Once notified, the bank generally has 10 business days to investigate, or 20 if the account was opened within the last 30 days. It can extend the review to 45 days, but only if it provisionally credits your account within those first 10 business days.6Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors For point-of-sale debit purchases and foreign transactions, the window stretches to 90 days.7Consumer Financial Protection Bureau. How Do I Get My Money Back After I Discover an Unauthorized Transaction
If you paid by debit, report it as soon as you see it. Every day of delay shifts liability toward you.
The Federal Rules Behind Your Dispute
The Restore Online Shoppers’ Confidence Act makes it illegal to charge a consumer through a negative option feature (where inaction equals consent) unless the business does all three of the following:8Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet
- Discloses all material terms clearly and conspicuously before collecting billing information, including cost, billing frequency, trial length, and when charges begin
- Obtains your express informed consent before charging you; pre-checked boxes or terms buried in a general policy do not qualify
- Provides a simple mechanism to cancel
If the checkout buried subscription terms, used confusing wording, or made cancellation hard, those are the exact situations the law targets. The FTC enforces it and can seek civil penalties and consumer refunds.9GovInfo. 15 USC 8401-8405 – Restore Online Shoppers Confidence Act
For debit card charges, federal regulations also require that the company obtain your written or electronic authorization before starting recurring transfers, and give you a copy of it.10Consumer Financial Protection Bureau. 12 CFR 1005.10 – Preauthorized Transfers No clear authorization, no copy? That’s on the company.
When to File a Federal Complaint
If the company won’t refund you and your bank dispute has stalled, complaints to federal agencies create an official record.
The FTC takes reports about deceptive practices, including misleading subscription billing, at reportfraud.ftc.gov.11Federal Trade Commission. ReportFraud.ftc.gov It doesn’t resolve individual disputes but uses complaint data to build enforcement cases.
The Consumer Financial Protection Bureau handles complaints about unauthorized charges on bank accounts and credit cards. File online at consumerfinance.gov/complaint or by phone at (855) 411-2372.12Consumer Financial Protection Bureau. Submit a Complaint The CFPB forwards your complaint to the company and typically expects a response within 15 days. Have your statements and any correspondence with the company ready to attach. Both filings are free and together take under 20 minutes.