A TLG Great charge on your credit card or bank statement is a recurring membership fee billed by Trilegiant Corporation, usually for a discount club called Great Fun. The descriptor often appears as “TLG*GREATFN,” with “TLG” standing for Trilegiant. Many people who see it never knowingly signed up, because Trilegiant enrolled consumers through tactics that drew years of state and federal enforcement. You can cancel the membership, dispute the charges, and in some cases recover what you were billed.
What the TLG Descriptor Means
Trilegiant Corporation, based in Norwalk, Connecticut, marketed a portfolio of membership discount programs including Great Fun, Travelers Advantage, Shoppers Advantage, AutoVantage, CompleteHome, Credit Alert, and Privacy Guard.1Girard Sharp LLP. Trilegiant Class Action Settlement Charges from any of these programs tend to show up with a “TLG” prefix followed by an abbreviation of the program name, such as TLG*SHOPPER or TLG*PRIVGRD. Trilegiant was a subsidiary of Affinion Group.2SEC. Affinion Group Holdings Inc Form 10-K
The fees are billed monthly under a negative-option model, meaning they keep coming until you take action to cancel. One internal company communication, cited in a U.S. Senate investigation, acknowledged that “at least 90% of our members don’t know anything about the membership.”3GovInfo. Senate Report 111-240, Restore Online Shoppers’ Confidence Act
How You May Have Been Enrolled
If you don’t remember joining, there are two common explanations. The first is a direct-mail scheme state attorneys general called “live checks.” Trilegiant sent envelopes that appeared to come from a consumer’s bank, containing small checks (often two to ten dollars) made to look like refunds or rebates. Cashing the check was treated as consent to enroll in a membership, and recurring fees began appearing on a credit card or mortgage statement if the consumer didn’t cancel by a stated date.4Washington State Office of the Attorney General. McKenna Announces Multi-State Settlement With Chase Bank and Trilegiant
The second was an online tactic known as “data pass.” After you completed a purchase on a retailer’s website, a Trilegiant offer appeared on the confirmation page, often framed as a cash-back reward tied to the purchase you just made. Clicking “Yes” or “Continue” could be interpreted as enrollment, and the retailer passed your credit card details to Trilegiant behind the scenes, so you never had to re-enter payment information.5Georgia Governor’s Office of Consumer Protection. Georgia, 46 States Obtain $30 Million Judgment Against Membership Program Company Participating retailers received ten to thirty dollars for each enrolled customer.6Ben Edelman. Post-Transaction Marketing
Both practices were later banned under a 47-state settlement with Affinion in 2013 and under the federal Restore Online Shoppers’ Confidence Act of 2010, but older charges can still trace back to one of these enrollments.
How to Cancel the Membership
The first step is to contact Trilegiant directly and tell them you want to cancel and want a refund. The Great Fun customer support line has been listed at 1-877-488-9480.7Trilegiant Corporation. Trilegiant Official Website When you call, note the date, the name of the representative, and any confirmation number. Ask specifically for a full refund of past charges rather than only a “stop bill,” which cancels future charges but leaves prior ones in place. A Senate staff report on these programs found that call center agents followed scripts designed to minimize refunds and generally offered full refunds only when consumers invoked phrases like “attorney general” or “Better Business Bureau.”8U.S. Senate Committee on Commerce, Science, and Transportation. Supplemental Staff Report on Aggressive Online Sales Tactics Making clear that you consider the charges unauthorized, and that you plan to complain to regulators if the matter isn’t resolved, tends to move the request out of the standard script.
How to Dispute the Charges and Get a Refund
If Trilegiant won’t refund you, or you want to move faster, the Fair Credit Billing Act gives you the right to dispute unauthorized charges with your credit card issuer. Send a written dispute to the billing inquiry address shown on your statement within 60 days of the statement that first listed the charge. The issuer must acknowledge your complaint within 30 days and resolve it within 90 days, and it can’t try to collect the disputed amount while the investigation is open.9FTC. Using Credit Cards and Disputing Charges Include your account number, the dollar amount of each charge, the date each one appeared, and a short explanation that you never knowingly enrolled in the membership. Keep copies of everything.
If the charge hit a debit card or bank account rather than a credit card, call your bank first. Debit disputes are governed by different rules and shorter timelines, so delay matters more.
You can also file a complaint with the Consumer Financial Protection Bureau online or by calling (855) 411-2372.10CFPB. How Can I Get a Refund on a Product or Service I Purchased With My Credit Card The CFPB routes complaints to the company and typically produces a response within a defined window, which can be useful when direct contact has stalled.
After you cancel and dispute, keep watching your statements for several billing cycles. If charges keep appearing, ask your card issuer to block the merchant or to issue you a new card number.
Are Settlement Funds Still Available
You may have seen references to large settlements involving Trilegiant. Those funds are closed. A 2006 multi-state settlement with Trilegiant and Chase Bank set aside more than $8.3 million in restitution for consumers first charged on or after July 1, 2001.4Washington State Office of the Attorney General. McKenna Announces Multi-State Settlement With Chase Bank and Trilegiant A 2013 judgment covering 47 states and the District of Columbia established a $19 million consumer refund fund, with restitution checks scheduled to go out by May 2014.11Montana Department of Justice. Affinion Settlement FAQs A separate Illinois class action approved in July 2008 paid members between $20 and the cost of up to three years of membership fees for charges assessed between July 10, 1998 and February 15, 2008.1Girard Sharp LLP. Trilegiant Class Action Settlement A CFPB enforcement action against Affinion resulted in $6,756,025 in consumer redress and was formally closed on February 4, 2026 after all payments were disbursed.12CFPB. Affinion Enforcement Action For current charges, the practical path to a refund is through the company and your card issuer rather than any of these closed funds.
What Trilegiant Is Called Today
In July 2019, Affinion Group rebranded as cxLoyalty and consolidated its various entities under that name, focused on loyalty services for financial institutions, retailers, and travel companies.13PR Newswire. Affinion Group Holdings Inc Announces It Has Rebranded to cxLoyalty The Trilegiant name was effectively retired as part of that change, so correspondence about your account may come from a different entity even when the statement descriptor still reads “TLG.”