A “Ruta Maya” charge on your credit card almost always comes from Ruta Maya Coffee Co., a family-owned coffee roaster in Austin, Texas that has been in business since 1990. The charge typically reflects an online order placed at rutamayacoffee.com, though the company also sells wholesale and ships nationwide. If you don’t recognize the transaction, you can confirm it by contacting the roaster directly, and if it turns out to be unauthorized, federal law gives you a clear path to dispute it.
Who Ruta Maya Coffee Is
Ruta Maya Coffee Co., Inc. is an Austin-based roaster that has been family owned and operated since 1990. The company roasts daily out of a commercial warehouse in southeast Austin and ships throughout the United States through its website. It also sells through retail partners including H-E-B, Costco, and Fresh Plus, and its products are listed on Amazon through both the company and third-party sellers.1Ruta Maya Coffee. Find Us2Amazon. Ruta Maya Organic Medium Coffee
A charge that reads “Ruta Maya” specifically is most likely a direct purchase through the company’s own site. Coffee bought at H-E-B, Costco, or Amazon usually shows the retailer’s name on the statement rather than the brand.
Why the Charge Might Not Look Familiar
The text on your statement is what payment processors call a “statement descriptor.” Merchants set it when they configure their processor, and it might display a legal entity name, a shortened brand name, or even a website URL rather than the name a customer expects. Banks can also alter or append information on their end.3Stripe. What Is a Statement Descriptor Ruta Maya’s online store runs on Shopify, and Shopify descriptors can default to a store URL, show outdated information, or otherwise not match what a customer remembers seeing at checkout.4Shopify Community. How Can I Edit the Description Name on My Bank Statement
Two other everyday explanations are worth ruling out first. An authorized user on your account (a spouse, partner, or family member) may have placed the order without mentioning it. And a pending charge can look wrong before it settles: a temporary authorization hold reserves funds and is later replaced by the final posted amount, so the two figures don’t always match.5Capital One. Pending Transactions
How to Confirm the Charge
The quickest way to verify a Ruta Maya charge is to contact the company directly.
- Email: Info@rutamayacoffee.com
- Phone: (512) 472-9638
Have the last four digits of your card and the transaction date on hand so their team can locate the order.6Ruta Maya Coffee. Contact Ask for an itemized breakdown and, if possible, the name or email on the order. That’s usually enough to identify who in your household placed it or to confirm that no matching order exists.
How to Dispute an Unauthorized Charge
If no one you know placed the order and Ruta Maya can’t find a matching transaction, treat the charge as unauthorized. Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and many issuers offer zero-liability policies that go further.7FTC. Using Credit Cards and Disputing Charges
To preserve your rights under the FCBA, send a written dispute to your card issuer at the address it designates for billing inquiries (not the payment address) within 60 days of the date the statement containing the charge was sent to you. Include your name, account number, a description of the charge, and copies of any supporting documents.8Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill Sending it by certified mail with return receipt gives you proof of when the issuer received it.9California Attorney General. Credit Cards – Dispute a Charge
The issuer must acknowledge your dispute within 30 days and resolve it within 90 days. During the investigation you can withhold payment on the disputed amount without being reported delinquent on that charge, but you still owe the undisputed portion of the bill.7FTC. Using Credit Cards and Disputing Charges
If You Suspect Fraud or Identity Theft
An unauthorized charge you can’t explain may be part of a broader problem. Report identity theft at IdentityTheft.gov, and consider placing a fraud alert with one of the three major credit bureaus (Equifax, Experian, or TransUnion); the alert lasts one year, and the bureau you contact will notify the other two.10Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud You can also file a report with the FTC at ReportFraud.ftc.gov or by calling 877-382-4357.11FTC. Report Fraud FAQ