A “US Patriot HQ” charge on your bank or credit card statement almost always comes from Patriot Health Alliance, an online seller of supplements and preparedness gear that bills through descriptors like “US Patriot HQ” or “Patriot Hlth.” In most cases it isn’t card theft. It’s a recurring subscription or autoship enrollment tied to something you bought earlier, often a low-cost “free plus shipping” item. You can cancel it, dispute the charges already posted, and block future ones if you move quickly.
Where the Charge Comes From
Patriot Health Alliance sells products like Patriot Power Greens along with survival-themed items such as solar flashlights and emergency seed kits. Sales run almost entirely through online ads and video presentations. Purchases post to your statement under descriptors that don’t always look familiar, which is why the charge catches people off guard.
The business runs on autoship. New shipments go out automatically every 30, 60, or 120 days unless you cancel. If you remember watching a long video and paying a few dollars for a “free” tool or sample, that’s when the billing relationship began.
Why It Keeps Showing Up
The most common trigger is a “free plus shipping” offer, usually $4.95 to $9.95 for a physical item. The checkout terms enroll you in a recurring subscription or VIP membership, and if you don’t cancel inside a short trial window, the company begins charging your card each cycle. Recurring amounts typically run about $19 to $40 depending on the product.
The upfront cost sits at the center of the checkout page. The subscription terms sit further down or behind a terms-of-service link. Most people focus on the item and miss the ongoing commitment. That’s where these charges come from — not a stolen card, but a purchase you made without fully seeing what came with it.
How to Cancel the Subscription
Call Patriot Health Alliance at (615) 988-4505 or visit patriothealthstore.com and request immediate cancellation of any active subscription or autoship. Ask for a cancellation confirmation number and write it down. You will need it if charges continue.
Ask about a refund on the same call. Front-line representatives sometimes have authority to reverse one or two billing cycles, especially if you explain you didn’t realize you were enrolled. Be direct but polite. If they refuse, don’t argue; your bank can handle the rest.
After the call, send a follow-up email confirming what was agreed. Note the date, the representative’s name, the confirmation number, and what they promised. That paper trail is what makes a bank dispute stick if you have to escalate.
Disputing the Charge With Your Bank
If the merchant won’t refund you, or charges keep hitting after you cancel, your card issuer or bank steps in. Your protections and deadlines depend on whether you paid with a credit card or a debit card.
If You Paid With a Credit Card
Credit cards carry the strongest protection. Under the Fair Credit Billing Act, you can dispute a billing error by sending written notice to your card issuer within 60 days of the statement date that first showed the charge. Include your name, account number, the amount, and why you believe it’s an error.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Send it to the billing inquiries address on your statement, not the payment address.
Your issuer must acknowledge the dispute within 30 days and resolve it within two billing cycles, no more than 90 days total. During the investigation, the issuer cannot try to collect the disputed amount or report it as delinquent. Maximum liability for unauthorized credit card charges is $50, and most major issuers waive that.
If You Paid With a Debit Card
Debit card protection falls under Regulation E. It’s tighter and less generous, and your liability tracks how fast you report the problem.
- Within 2 business days of learning about the unauthorized transfer: liability caps at $50 or the amount charged before you gave notice, whichever is less.2eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- Between 2 and 60 days: liability can rise to $500.2eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- After 60 days: you can be liable for the full amount of any transfers that occur after that window, with no cap.2eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
Your bank must investigate a debit card dispute within 10 business days. It can extend the investigation to 45 days, but only if it provisionally credits your account within the initial 10 days so you have access to the funds while the review runs. The bank must report its findings within three business days of finishing.3eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors
Blocking Future Charges
Even after you cancel, charges sometimes keep coming, either because of processing lag or because the cancellation didn’t fully process. Two tools help.
A stop payment order tells your bank to block the merchant. For recurring electronic debits, federal rules require your bank to honor an oral stop payment request made at least three business days before the next scheduled debit. Once your bank knows you’ve revoked authorization, it must block future payments from that merchant and cannot wait for the merchant to stop submitting them.4Consumer Financial Protection Bureau. Regulation E Official Interpretations – Comment for 1005.10 Preauthorized Transfers Your bank may ask you to confirm the oral request in writing within 14 days. Stop payment fees vary by institution and often run $15 to $35.
If charges are hitting a credit card, you can also ask your issuer for a new card number. That severs the merchant entirely, but it also means updating your card on file with every other service that bills to it.
What to Have Ready Before You Call
Organized records make disputes go faster and win more often. Before you contact the merchant or your bank, pull together:
- The exact date, amount, and merchant descriptor for each charge you want to dispute, taken from your statement or online banking.
- The original order confirmation email from Patriot Health Alliance, which usually has a customer ID or order number.
- Cancellation evidence: the confirmation number from your call, any emails you sent or received, and the date you canceled. This is the most important piece because it proves you tried to stop the charges before escalating.
- Screenshots of the original checkout page if it’s still live, showing how the subscription terms were presented.
Your bank needs you to identify the type, date, and amount of the error to the extent you can.3eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors Specific descriptions like “I canceled this subscription on March 5 and was charged again on April 2” clear faster than vague ones like “I don’t recognize this charge.”
Federal Laws on Your Side
The Restore Online Shoppers’ Confidence Act makes it illegal for any online seller to charge you through a negative option feature — where your silence counts as agreement — unless the seller clearly disclosed all material terms before collecting your billing information, obtained your express informed consent, and provides a simple way to stop recurring charges.5Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet If subscription terms were buried where a reasonable person wouldn’t see them, that’s a violation worth citing when you press for a refund.
Filing a Complaint
If the merchant ignores your cancellation, refuses refunds, or keeps billing after you’ve done everything above, file a complaint with the Federal Trade Commission at ReportFraud.ftc.gov. A single complaint won’t recover your money on its own, but the FTC uses these reports to identify patterns that lead to enforcement, and past cases have returned tens of millions of dollars to consumers hit by unauthorized billing schemes.6Federal Trade Commission. FTC Sends More Than $27.6 Million to Consumers Harmed by Unauthorized Billing Schemes
You can also file with your state attorney general’s consumer protection division, which often has faster mediation channels for individual disputes with businesses selling to residents of that state.