A charge from Self-Makeup.com on your bank or credit card statement is an unauthorized recurring charge tied to a website operated by SkinMomma LLC. Most people who see it never signed up for anything. Call your bank or card issuer now, dispute the charge as unauthorized, and ask for a replacement card so the merchant can’t keep billing the same number.
Who Is Behind the Charge
Self-Makeup.com presents itself as a cosmetics site. Its terms of use identify the operator as SkinMomma LLC, and the site lists a phone number of (855) 742-2476, a support email at support@self-makeup.com, and an address at 10130 Mallard Creek Rd, Suite 300, Charlotte, NC 28262.1Self-Makeup.com. Terms of Use2Self-Makeup.com. Contact That Charlotte suite is a virtual office rented through ExecuBusiness Centers and marketed by Alliance Virtual Offices as a mail-forwarding address for use on websites and LLC paperwork.3ExecuBusiness Centers. Contact4Alliance Virtual Offices. Virtual Office, Charlotte, Mallard Creek Rd It isn’t a staffed office.
What the Charges Look Like
Affected consumers describe small, recurring debits that grow over time. A September 2025 report filed with the Better Business Bureau’s Scam Tracker documented three charges the consumer never authorized: $5.99 on July 30, $4.99 on August 19, and a $9.98 hold on September 5, totaling $20.96.5Better Business Bureau. Scam Tracker Report 1053597 The first amount was small enough that the consumer initially mistook it for an Amazon order. When they called the number listed on the site, they reached only a looped message that all customer service agents were busy. The BBB logged the report under its “Credit Cards” scam category.
If you see a Self-Makeup.com line item, check earlier statements too. The pattern is repeat charges at odd amounts, not a single large debit.
Dispute the Charge With Your Bank
The single most useful step is a call to your card issuer or bank to dispute the transaction as unauthorized. The rules differ depending on whether the charge hit a credit card or a debit card, and timing matters more for debit.
Credit Card Charges
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and most major issuers apply a zero-liability policy.6FDIC. Consumer News, October 2018 To dispute a billing error formally, send a written notice to the address your issuer designates for billing inquiries within 60 days of the statement showing the charge. Include your name, account number, and a description of the error. The issuer has 30 days to acknowledge your dispute and 90 days to resolve it. You aren’t required to pay the disputed amount while the investigation is open, and the issuer can’t report the amount as delinquent.7Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit Card Charges
Debit disputes fall under the Electronic Fund Transfer Act and Regulation E, and your liability climbs the longer you wait. Report within two business days of learning about the unauthorized charge and liability is capped at $50. Report between two and 60 days after the statement was sent and liability can rise to $500. After 60 days, you can face unlimited liability for transfers that happen after that deadline.8Consumer Financial Protection Bureau. Regulation E, Section 1005.6 Your bank carries the burden of proving a transfer was authorized and cannot deny your claim based on carelessness with your card.9Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
In the BBB complaint, the consumer’s bank removed the unauthorized transactions and the consumer canceled the compromised card. Ask for a new card number. The merchant already has the old one, and the charges are recurring, so blocking a single transaction won’t stop the next one.
Report the Charge to Regulators
After your bank dispute is open, file a complaint with the FTC at ReportFraud.ftc.gov and with your state attorney general’s consumer protection office.10Federal Trade Commission. How to Stop Subscriptions You Never Ordered These reports don’t refund your money directly. They feed the complaint volume regulators use to identify patterns and prioritize enforcement; the FTC received close to 70 consumer complaints per day about negative option and subscription billing practices in 2024.11Federal Trade Commission. FTC Announces Final Click-to-Cancel Rule
Your Legal Footing
You don’t owe money for products or services you never ordered. The FTC treats unauthorized debiting of a consumer’s billing information as a crime.10Federal Trade Commission. How to Stop Subscriptions You Never Ordered The Restore Online Shoppers’ Confidence Act requires online sellers to disclose material terms before collecting billing information, obtain express informed consent before charging, and provide a simple way to stop recurring charges. The FTC’s updated Negative Option Rule, finalized in late 2024 with a compliance deadline of May 14, 2025, adds that cancellation must be at least as easy as sign-up and that sellers must obtain “unambiguously affirmative consent” before billing.12Federal Register. Negative Option Rule, 89 FR 90476 A charge that appears on your statement without any recognizable sign-up on your end fails those requirements at the door.