A charge from Tenens Company LLC on your card or bank statement is a $6.95 processing fee added when someone pays A.R.M. Solutions, a debt-collection agency, with a debit or credit card. The fee goes to the payment processor, not toward the debt balance, and it posts as a separate line item from the payment itself.1A.R.M. Solutions Payment Portal. Payment Agreement
What the $6.95 Actually Pays For
Tenens Company LLC runs the online payment portal that A.R.M. Solutions uses to accept card payments. When a card is used, Tenens charges a flat $6.95 for processing the transaction. The portal’s own payment agreement spells this out: the fee “will appear as a separate transaction on your billing statement under Tenens Company,” and “no portion will be paid to A.R.M. Solutions or credited to the balance of your debt.”1A.R.M. Solutions Payment Portal. Payment Agreement
So on a statement you may see two entries from the same transaction: one for the amount paid toward the debt, and a second $6.95 charge labeled Tenens Company. The phone number listed with the charge is 208-314-3847.
Why the Name on Your Statement Doesn’t Match Who You Paid
Card statements show a billing descriptor, which is usually the legal name or DBA of the business that actually processed the payment rather than the brand the consumer dealt with. Networks and banks require descriptors to reflect that legal entity, DBA, or URL.2Stripe. What Is a Statement Descriptor and How Do I Update It Because Tenens Company processes the payment, Tenens Company is the name that appears, not A.R.M. Solutions.
How to Avoid the Fee Next Time
The $6.95 only applies to debit and credit card payments. ACH and check payments through the A.R.M. Solutions portal are exempt.1A.R.M. Solutions Payment Portal. Payment Agreement Switching payment methods on any future payments avoids the surcharge entirely.
If You Don’t Recognize the Charge
If no one you share the account with has paid A.R.M. Solutions recently, treat the charge as unverified until you can rule out a legitimate source. A few checks usually settle it:
- Ask anyone else on the account, including a spouse or family member, whether they made a payment to A.R.M. Solutions.
- Call 208-314-3847, the number listed with the Tenens Company descriptor, to confirm whether the charge ties to a real transaction.
- Search your email for a receipt from A.R.M. Solutions or armwebpay.com around the date the charge posted.
If none of that explains it, call your card issuer at the number on the back of the card to report the charge and open a dispute.
Disputing the Charge as Unauthorized
Under the Fair Credit Billing Act, you have to notify your card issuer of a billing error within 60 days of the statement date showing the charge. The issuer has to acknowledge the dispute within 30 days and resolve it within 90 days. While the investigation is open, you can withhold payment on the disputed amount without being reported as delinquent.3Federal Trade Commission. Using Credit Cards and Disputing Charges
Federal law caps your liability for unauthorized credit card charges at $50, and many issuers waive even that under a zero-liability policy.4Consumer Financial Protection Bureau. Credit Cards If you suspect fraud beyond this one charge, you can place a one-year fraud alert with any of the three major credit bureaus (Equifax, Experian, or TransUnion); the bureau you contact notifies the other two.5Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud You can also report suspected fraud to the FTC at ReportFraud.ftc.gov6Federal Trade Commission. Report Fraud and file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.7Consumer Financial Protection Bureau. Submit a Complaint