A touchboards.com charge on your credit card comes from Touchboards, an online audiovisual and interactive-technology retailer based in Long Branch, New Jersey. The company sells interactive smartboards, projectors and mounts, document cameras, antenna combiners, and classroom equipment to both individual and institutional buyers.1ResellerRatings. Touchboards Reviews If you can trace the charge to an order you or another cardholder placed, it’s legitimate. If you can’t, you have 60 days to dispute it in writing with your card issuer.
Who Owns Touchboards
Touchboards is one of the brands operated by Interworld Highway, LLC, which also runs TEquipment.NET. The Better Business Bureau lists Touchboards.com as an alternate business name for Inter World Highway, LLC.2BBB. Inter World Highway LLC BBB Business Profile That matters for reading your statement, because the charge may show up under the parent company’s name rather than the storefront you actually bought from.
Why the Charge May Look Unfamiliar
Card statements display a short “statement descriptor” for each transaction, typically 5 to 25 characters. Payment processors sometimes truncate or abbreviate the merchant’s name, and a pending transaction can carry a temporary “soft descriptor” that reads differently from the final posted charge.3Stripe. What Is a Statement Descriptor For Touchboards, the descriptor is likely “touchboards.com” or a variation, but it could also appear as “Interworld Highway” or “Inter World Highway.”2BBB. Inter World Highway LLC BBB Business Profile
Legitimate charges also go unrecognized when another authorized user placed the order. A spouse, family member, or colleague with access to the card is often the answer before fraud is.
Before You Call It Fraud
Work through a short checklist first:
- Search your email for order confirmations or shipping notices from Touchboards or Interworld Highway.
- Ask anyone else who uses the card whether they made the purchase.
- Compare the dollar amount to any pending online orders you’ve placed recently.
- Search the exact descriptor text online in case the processor abbreviated an unfamiliar name.
How to Dispute an Unauthorized Charge
If none of that identifies the transaction, treat it as unauthorized and use the process set out in the Fair Credit Billing Act (15 U.S.C. §§ 1666–1666j), which caps your liability for unauthorized credit card charges at $50.4FTC. Using Credit Cards and Disputing Charges
Send a written dispute to your card issuer’s billing inquiry address, not the payment address, within 60 days of receiving the statement containing the charge. Include your name, account number, a description of the disputed charge, and copies of any supporting documents.4FTC. Using Credit Cards and Disputing Charges
Once the issuer receives your written notice, it must acknowledge the dispute within 30 days and resolve it within two complete billing cycles, not to exceed 90 days. You can withhold payment on the disputed amount and any related finance charges during the investigation, and the issuer cannot report that amount as delinquent, close your account, or send it to collections while the dispute is open.5CFPB. Regulation Z § 1026.13
Call the number on the back of your card as soon as you spot the charge. Many issuers will freeze the transaction and post a provisional credit while they investigate, and the phone call starts things moving before your written notice arrives.6CFPB. How Do I Dispute a Charge on My Credit Card Bill The written notice is what preserves your FCBA rights, so send it too.
When to Report Broader Fraud
If the Touchboards charge appears alongside other transactions you don’t recognize, or you have reason to believe your card number was stolen, file a report at ReportFraud.ftc.gov.7FTC. ReportFraud.ftc.gov The FTC does not resolve individual disputes, but reports feed the Consumer Sentinel database used by more than 2,000 law enforcement agencies. For suspected identity theft, use IdentityTheft.gov instead.8FTC. FTC Contact Page Neither report replaces the dispute with your card issuer, which is what actually removes the charge.