Veradyn Charge: How to Cancel, Refund, and Dispute It

A Veradyn charge on your credit card is almost always a recurring subscription from a people-search or background-check site you used at some point, billed through Veradyn as the payment processor rather than under the name of the site itself. The descriptor typically reads something like “VERADYN-BILL.COM” with a phone number or reference code attached. The company behind it is PeopleConnect, which runs Intelius, TruthFinder, Instant Checkmate, US Search, and Classmates.¹ If you bought a report or started a trial on any of those, Veradyn is what shows up on your statement.

This matters for one practical reason: you cancel through Veradyn’s billing portal, not necessarily through the site you originally visited.

Why the Charge Looks Unfamiliar

Most people first notice a Veradyn charge weeks after paying a small fee for what they thought was a one-time report. Intelius, for example, offers a five-day trial for $0.95 that rolls into a $34.95 monthly subscription if you don’t cancel in time.² The other PeopleConnect brands work similarly, with trials running roughly $1 to $5 and full monthly rates generally between $25 and $35.

This is negative option billing: your silence after the trial counts as consent to keep paying. The FTC has called these practices “a persistent source of consumer harm.”³

What to Gather Before You Cancel

Pull up the statement and note three things: the full billing descriptor next to the charge, the exact date, and the amount. The descriptor usually contains a URL or reference number tied to your customer profile.

Then think about which email you might have used when you ran the report. Even a throwaway address created an account in Veradyn’s system. The billing portal lets you look up your subscription by email, the last four digits of the card, or the transaction details. If you can’t remember the email, search your inbox for confirmation messages from Intelius, TruthFinder, Instant Checkmate, US Search, or Classmates around the date of the first charge. Having these on hand makes the rest of the process much faster.

How to Cancel and Request a Refund

The fastest route is the online cancellation tool on the Veradyn billing site. Enter your account details and end the recurring authorization. If you’d rather speak with someone, call the support number printed next to the charge on your statement. Whichever route you take, get a cancellation confirmation number and save it. That number is your proof if charges keep coming.

When you ask for a refund, be specific: name the exact charge and month you’re disputing. Merchant refunds on credit card transactions generally post within five to ten business days after the processor initiates the reversal. Watch your account through the next billing cycle to confirm nothing new appears.

If the Charges Don’t Stop

When cancellation doesn’t hold and another charge shows up, escalate to your financial institution. Ask your bank or card issuer to block future transactions from the merchant. For bank accounts, you can place a formal stop payment order, which instructs the bank not to process payments to a specific company.⁴

Two catches worth knowing. An oral stop payment order expires after 14 calendar days unless you confirm it in writing, and even written orders generally expire after six months.⁵ Banks also typically charge $20 to $35 for the service, so try direct cancellation first.

You should also send the merchant a written request that no further debits be made to your account, with a copy to your bank, and keep a copy for yourself.⁶ That paper trail supports any later dispute and puts the bank on notice that charges from this merchant are no longer authorized.

Disputing a Credit Card Charge

If you paid by credit card and the merchant won’t refund you, the Fair Credit Billing Act gives you a formal dispute route. You have 60 days from the date your card issuer sent the statement containing the charge to submit a written billing error notice.⁷ Don’t wait to see if the merchant processes your cancellation first; the 60-day window is firm.

The written notice needs your name, account number, the disputed amount, and a brief explanation of why you believe it’s an error. Once your card issuer receives it, they must acknowledge the notice within 30 days and resolve the dispute within two billing cycles, not to exceed 90 days.⁷ During the investigation, the issuer cannot try to collect the disputed amount or report it as delinquent. This is the big advantage of a credit card dispute: your money stays with you while the process runs.

Disputing a Debit Card Charge

Debit card charges follow different rules, and the money is already gone from your account, which changes the math. Under the Electronic Fund Transfer Act, you have 60 days from the date your bank sent the statement to report an error.⁸ Your bank then has 10 business days to investigate and resolve it, or up to 45 days if it provisionally credits your account within the first 10 business days so you have access to the funds during the investigation.⁹

Timing shapes your liability for unauthorized charges. Report within two business days of learning about the charge, and your maximum liability is $50. Report after two business days but within 60 days of the statement, and the cap rises to $500. Miss the 60-day window, and you could lose everything taken from the account after that point.¹⁰ A Veradyn charge left alone for three months on a debit account can cost far more than the subscription price.

What the Law Requires of the Seller

Federal law puts real limits on how a company like this can bill and how hard it can make cancellation. The Restore Online Shoppers’ Confidence Act makes it illegal to charge consumers through a negative-option feature online unless the seller clearly discloses all material terms before collecting billing information and provides a straightforward mechanism to stop the recurring charges.¹¹

The FTC’s click-to-cancel rule goes further, requiring the cancellation process to be “as easy as” the method you used to sign up. If you enrolled online, cancellation must be available online, without forced phone calls or extra hoops.¹² If a site let you subscribe in three clicks but demands a phone call and a retention pitch to cancel, you can file a complaint at ftc.gov.

Choosing Your Escalation Path

If the merchant cancels and the charges stop, you’re done, unless you’re also seeking a refund for past months.
If the merchant ignores you or keeps billing, open a formal dispute with your card issuer (credit) or bank (debit) and include your cancellation confirmation number.
If you never authorized the charge at all, report it as unauthorized right away. On a debit card, the two-business-day liability clock starts the moment you discover it.¹⁰

1
PeopleConnect. PeopleConnect
2
Intelius. Intelius Pricing: Subscription Costs and Options
3
Federal Trade Commission. 16 CFR Part 425 – Rule Concerning Recurring Subscriptions and Other Negative Option Programs
4
Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account?
5
HelpWithMyBank.gov. Can the Bank Pay a Check After I Place a Stop Payment on It?
6
HelpWithMyBank.gov. Why Won’t the Bank Stop Automatic Withdrawals?
7
Office of the Law Revision Counsel. United States Code Title 15 Section 1666 – Correction of Billing Errors
8
Office of the Law Revision Counsel. United States Code Title 15 Section 1693f – Error Resolution
9
eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors
10
Office of the Law Revision Counsel. United States Code Title 15 Section 1693g – Consumer Liability
11
Office of the Law Revision Counsel. United States Code Title 15 Section 8403 – Negative Option Marketing on the Internet
12
Federal Register. Negative Option Rule