An “SP Unicorn Egg” charge on your credit card or bank statement is a purchase processed through Shopify Payments from Unicorn Egg, Inc., a Long Beach, California apparel company that sells inspirational clothing online.1Inc. Unicorn Egg Company Profile The “SP” is Shopify’s payment-processor prefix, and “Unicorn Egg” is the legal business name behind the storefront where the order was placed.
Why the Descriptor Doesn’t Match the Store You Shopped At
Shopify Payments, the built-in processor for stores hosted on Shopify, automatically adds “SP” before the merchant’s store name on every transaction it handles.2Shopify Community. What Name Appears on Customers’ Bank Statements After Purchase What follows the prefix is the registered business name, which often differs from the brand on the website where you checked out.
That’s the case here. Unicorn Egg, Inc. operates under at least two consumer-facing brands: God’s Love Overcomes (sometimes shortened to GLO) and Love in Faith.3God’s Love Overcomes. Terms of Service The company’s own terms of service confirm that godsloveovercomes.com is “operated by Unicorn Egg, Inc., d/b/a God’s Love Overcomes” and that the store runs on Shopify.4God’s Love Overcomes. Terms of Service If you don’t remember buying anything from a company called Unicorn Egg, you may still have ordered from one of those two brands.
How to Check Before You Dispute
A few quick checks usually clear up the question:
- Search your email for order confirmations from God’s Love Overcomes, Love in Faith, or godsloveovercomes.com. Searching for “Unicorn Egg” is less likely to turn up a match because the brand names differ from the billing descriptor.
- Ask anyone else with access to the card whether they placed an order.
- Contact the merchant through its website to confirm whether an order exists under your name or email.
Disputing the Charge if It’s Not Yours
If the charge is unauthorized or incorrect, the Fair Credit Billing Act lets you dispute billing errors on a credit card by sending written notice to the card issuer at the address designated for billing inquiries (not the payment address) within 60 days of the date the first statement with the error was sent.5Federal Trade Commission. Using Credit Cards and Disputing Charges The issuer must acknowledge the dispute within 30 days and resolve it within 90 days.6Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
While the investigation is open, you can withhold payment on the disputed amount without the issuer reporting it as delinquent to credit bureaus, but you still need to pay any undisputed portion of the bill.7California Office of the Attorney General. Credit Cards: Dispute a Charge Federal law caps your liability for unauthorized credit card charges at $50.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit card protections are narrower. The FDIC advises notifying your bank within two business days of discovering unauthorized transactions, which limits your liability to $50 or the amount of the unauthorized charges, whichever is less. Waiting longer than two days can push liability up to $500, and if you don’t report within 60 days of receiving the statement, you could be responsible for the full amount of any transactions that happen after that window closes.8FDIC. What Should I Do if I Have Unauthorized Charges on My Debit Card
If you believe the charge is part of a scam or an unwanted subscription, you can also report it to the FTC at ReportFraud.ftc.gov or file a complaint with the Consumer Financial Protection Bureau.9Federal Trade Commission. What To Do if You’re Billed for Things You Never Got or You Get Unordered Products