A TBMBM charge on your bank or credit card statement comes from TBMBM US, Inc., the company behind PinkCherry, an online retailer of adult wellness products. The company bills under the TBMBM name on purpose so the nature of the purchase isn’t obvious to anyone glancing at the statement.1PinkCherry. Privacy Policy If you don’t recognize the charge, it’s usually one of three things: a forgotten order, an active subscription, or a purchase made by someone else who has access to your card.
Why the Charge Shows Up as TBMBM
PinkCherry’s privacy policy states that it ships in plain packaging and processes payments under the name TBMBM.1PinkCherry. Privacy Policy The billing descriptor is deliberately vague. That protects your privacy on the statement itself, but it also makes the charge harder to place if you weren’t the one who ordered.
Banks display the descriptor slightly differently. Some show “TBMBM,” others “TBMBM US INC,” and some append a phone number or partial web address. They all point to the same company.
Figuring Out Where the Charge Came From
Before treating the charge as fraud, run through the likely explanations. An order placed weeks earlier can post later than expected, especially with promotional pricing or a backordered item. PinkCherry also offers subscription options, so a signup during a past order may still be billing monthly. And if anyone else uses your card, whether a partner or someone with access to a shared device, they may have placed the order.
Search your email for “PinkCherry,” “TBMBM,” or “order confirmation,” and check the spam folder. Compare any confirmation total and date to the charge on your statement. If nothing turns up, log into PinkCherry.com directly; if you have an account there, your order history will list past purchases. For charges that route through a phone, check your Apple or Google Play subscription settings, because some subscriptions bill through the app store rather than the merchant.
If none of that produces a match and no one with access to the card recognizes the charge, treat it as potentially unauthorized.
Canceling a PinkCherry Subscription
If the charge is a subscription you no longer want, cancel through the merchant first. Log into your PinkCherry account and look for subscription or membership settings. Save the confirmation number or cancellation email, because that record is your proof if billing continues.
Federal rules back you up. The FTC’s click-to-cancel rule, which took effect in 2025, requires any business that lets you sign up online to also let you cancel online through a process just as simple.2Federal Register. Negative Option Rule A merchant can’t force you onto a phone line with limited hours if you signed up on a website. Making cancellation unreasonably difficult is itself a violation.
If you subscribed inside a mobile app, also cancel through your device’s subscription settings. App store subscriptions can keep billing even after you cancel on the merchant’s site, because the payment runs through Apple or Google.
Disputing an Unauthorized TBMBM Charge
When the charge is genuinely unauthorized, your rights depend on whether it hit a debit card or a credit card. Credit cards give you the stronger position, but both have a firm 60-day deadline.
Debit Card Disputes
For a debit card, you have 60 days from the date your bank sends the statement showing the charge to report the error. Contact the bank by phone or through its app and identify the specific transaction. The bank must investigate, and in most cases must issue a provisional credit within 10 business days while it works.3eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors If the bank asks you to confirm your oral report in writing, do it within 10 business days or you risk losing that provisional credit.
Credit Card Disputes
Credit cards carry the same 60-day notice window, measured from when the statement reflecting the error was sent. The advantage: while the dispute is open, you don’t have to pay the disputed amount, and the creditor can’t report it as delinquent or send it to collections.4Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution The issuer must resolve the dispute within two billing cycles, capped at 90 days.
What to Send With the Dispute
Gather documentation before filing. Screenshots showing no account or order history with PinkCherry, a cancellation confirmation if you previously ended a subscription, and any correspondence with the merchant’s customer service all help. Clear, organized evidence gets resolved faster than a loose pile of partial screenshots.
Stop Payment Orders Versus Disputes
A stop payment and a dispute do different jobs. A dispute reverses a charge that already posted. A stop payment tells your bank to block a specific future charge before it processes.
You can stop a preauthorized recurring transfer by notifying your bank at least three business days before the next scheduled payment, by phone or in writing. A phone order expires after 14 days unless you follow up in writing.5eCFR. 12 CFR 1005.10 – Preauthorized Transfers Most banks charge a fee, commonly $15 to $35, though some waive it.
One important limit: a stop payment blocks the transaction from your account but does not cancel your contract with the merchant. If you owe money under an active subscription, the merchant can still pursue that balance. Cancel with the merchant first, then use a stop payment as backup.
Getting a New Card Number May Not Stop the Charges
Replacing your card often doesn’t end recurring billing. Card networks run automated account updater services that share your new number and expiration date with merchants you’ve previously authorized. Visa’s Account Updater sends updated details to participating merchants within days of a card being replaced, reissued, or reported lost.6Visa. Visa Account Updater Product Information Fact Sheet for Merchants The merchant updates its records and keeps billing.
To cut off a merchant completely, ask your card issuer to opt your account out of the updater service. Visa lets issuers flag an account as opted out, and that status follows the account through later replacements.7Visa. Visa Account Updater FAQs Not every issuer makes this easy, but it’s worth asking when a merchant keeps charging after you’ve canceled.
Virtual card numbers are another option for future subscriptions. Many banks let you generate a unique card number for each merchant; deleting the virtual number cuts the connection, and no account updater can bridge it back to your real card.
Why Not to Let It Sit
An unwanted recurring charge is more expensive than it looks. Monthly fees add up, and an unpaid balance on a subscription you thought you canceled can end up with a third-party debt collector. Once in collections, the debt can appear on your credit report and stay there for up to seven years from the first missed payment.
The 60-day dispute window is the hard deadline. If an unauthorized debit card charge slips past it, your bank has no obligation to investigate under Regulation E.8Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors Credit card protections under Regulation Z carry the same 60-day limit.4Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution Checking statements monthly, rather than waiting until something feels off, is the simplest protection.