A charge labeled “SP Care and Bloom Nancy” on your credit card or bank statement is a one-time purchase from Hello Nancy, an online store at hellonancy.com that sells intimate wellness products. The store operates under the business name Care & Bloom and processes payments through Shopify, which is why the corporate name appears on your statement instead of the product or brand. It is not a subscription, and there is nothing recurring to cancel.1Hello Nancy. Is Hello Nancy Legit
Why the Descriptor Looks Unfamiliar
Hello Nancy chose a vague statement descriptor on purpose. The company’s own website says the wording is designed to read like a generic wellness purchase so that the nature of the order is not obvious to anyone who sees the statement.2Hello Nancy. Hello Nancy Shipping That means a legitimate order you or someone in your household placed can look completely unfamiliar days or weeks later.
Before assuming fraud, check a few things:
- Search your email for an order confirmation from hellonancy.com.
- Ask anyone else authorized on the card whether they placed an order. Given the discreet nature of the products, a family member or partner may have used a shared payment method without mentioning it.
- If nobody on the account recognizes the purchase, treat it as unauthorized and follow the dispute steps below.
If You Placed the Order and Want a Refund
Hello Nancy’s refund and exchange rules depend on how quickly you act and whether the product has been opened.
- You have a two-hour window from the time of purchase to cancel or modify an order by logging in at account.hellonancy.com.3Hello Nancy Help Center. Orders and Products
- Unopened products in their original packaging can be returned within 30 days for a full refund or exchange at no extra cost.4Hello Nancy. Refund Policy
- Opened products are covered by a one-time “Pleasure Guarantee” within 30 days, which lets you exchange for a different product or receive store credit at the company’s discretion.4Hello Nancy. Refund Policy
- All products carry a 12-month warranty, and defective items within that period are replaced at no cost.3Hello Nancy Help Center. Orders and Products
To start a return, exchange, or warranty claim, email care@hellonancy.com.
If the Charge Is Unauthorized
If nobody on your account recognizes the purchase, call the number on the back of your card and report the charge. Under the Fair Credit Billing Act, your maximum liability for unauthorized credit card charges is $50, and many issuers waive even that amount through zero-liability policies.5Fairfax County. Credit Cards: Understanding the Fair Credit Billing Act If your physical card was not lost or stolen and only the account number was used, you are generally not liable at all.6Consumer Financial Protection Bureau. Am I Responsible for Unauthorized Charges if My Credit Cards Are Lost or Stolen
To preserve your full legal rights, back up the phone call with a written dispute. Send it to your card issuer’s billing inquiry address within 60 days of the statement date on which the charge appeared. Include your name, account number, the transaction amount and date, and why you believe the charge is an error. The FTC recommends sending the notice by certified mail with a return receipt.7Federal Trade Commission. Using Credit Cards and Disputing Charges Your issuer must acknowledge the dispute within 30 days and resolve it within 90 days, or two billing cycles, whichever comes first.5Fairfax County. Credit Cards: Understanding the Fair Credit Billing Act You do not have to pay the disputed amount or related interest while the investigation is ongoing, but you must keep paying the rest of your bill.
If the issuer does not resolve the matter to your satisfaction, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling (855) 411-2372. The CFPB forwards complaints to the company, and most respond within 15 days.8Consumer Financial Protection Bureau. Submit a Complaint