Publix 1076 Charge: Why It Appears and How to Resolve It

A “Publix 1076” charge on your bank or credit card statement is a purchase made at Publix store #1076, the supermarket at Haines City Mall on US Highway 17-92 in Haines City, Florida. The number after “PUBLIX” on the descriptor identifies the specific store, so the first useful step is to think about whether you, an authorized user, or a household member may have shopped at that location or ordered delivery from it.¹²

Common Reasons the Charge Looks Unfamiliar

Before treating the charge as fraud, run through a few ordinary explanations.

Someone else with access to the account. An authorized user on your credit card, or a family member whose debit card draws on the same bank account, may have made the purchase.
A trip through central Florida. Store #1076 sits on US Highway 17-92, a corridor many travelers pass through. A quick stop for groceries, a prescription, or a snack during a road trip can slip from memory.
Instacart delivery or curbside pickup. Publix uses Instacart for delivery and curbside orders. The charge posts when the shopper completes the order, and the initial authorization hold is often slightly higher than the estimated total. Weight-based items or substitutions can post as a small separate charge, and tips added or changed after delivery show up as their own line item, which can look like a duplicate.³
Pending holds versus final charges. A temporary authorization sometimes posts at a different amount than the final charge, which can briefly look like two transactions.

What To Do If You Still Don’t Recognize It

Start With Publix

Publix customer service can look up a specific transaction and confirm what was purchased. You can reach them at 800-242-1227 or through the contact form at publix.com/contact; the company says it aims to respond to online inquiries within two business days. If the charge came from a delivery or curbside pickup order, Publix directs customers to contact Instacart, which handles payment processing for those orders.⁴

Then Contact Your Bank or Card Issuer

If you believe the charge is unauthorized, call the number on the back of your card right away. Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and many issuers apply zero-liability policies. For debit cards, reporting within two business days keeps your liability at $50; waiting longer can raise it to $500 or more.⁵

The FTC recommends following up any phone dispute in writing. Send a letter to your card issuer’s billing inquiry address within 60 days of the statement date, including your name, account number, the dollar amount and date of the charge, and why you believe it is an error. Certified mail with a return receipt gives you proof of delivery.⁶

Once a dispute is filed, your card issuer must acknowledge it in writing within 30 days and resolve the matter within two billing cycles, up to a maximum of 90 days. You are not required to pay the disputed amount while the investigation is pending.⁵

1
Ramp. Publix Charge Finder
2
Publix. Haines City Mall Store Location
3
Publix. Publix Delivery Help
4
Publix. Contact Us
5
Consumer Financial Protection Bureau. How Do I Get My Money Back After an Unauthorized Transaction
6
Federal Trade Commission. Disputing Credit Card Charges