A charge labeled “TGTG” on your bank statement is from Too Good To Go, a mobile app that sells surplus food from restaurants, bakeries, and grocery stores at a steep discount.1Too Good To Go. How Does the App Work The purchase is almost always a “Surprise Bag” of leftover items the store didn’t sell that day, bought through the app for roughly half retail or less. If you don’t remember the order, or the amount doesn’t match what you expected, the cause is usually a forgotten purchase, a pending authorization, or someone else using your saved payment method rather than fraud.
Why the Charge May Look Unfamiliar
Banks display the merchant name inconsistently. Some show “TooGoodToGo,” others truncate it to “TGTG,” and a few abbreviate it in ways that don’t obviously point to a food app.2Too Good To Go. I Dont Recognize a Charge on My Statement If someone else with access to your phone or a shared payment method placed the order, it will still post under your name because the charge follows whatever card is saved in the account.
Prices vary widely. A bakery or sandwich bag might run around $5.99, while a specialty cake bag from a high-end shop can hit $19.99 or more. Sales tax may apply depending on your state, so the posted charge can be a few dollars higher than the price you remember seeing in the app.
Pending Holds vs. Actual Charges
When you reserve a Surprise Bag, the app places a pre-authorization hold on your card rather than an immediate final charge. The hold reserves the funds but isn’t a completed debit. If the store cancels the order because the food ran out, the hold is lifted and the pending line simply disappears from your statement — you generally won’t see a separate refund entry.3Too Good To Go. The Store Cancelled My Order How Do I Get a Refund
Timing is what confuses people. Your bank controls how long a hold takes to clear, not Too Good To Go, and in some cases it can take up to 30 days for a bank to fully process a lifted pre-authorization.4Too Good To Go. How Can I Cancel My Order on Too Good To Go If a canceled order still shows as pending after a week or two, call your bank and give them the order ID from the app so they can locate the hold.
Common Reasons You Don’t Recognize It
Before assuming fraud, check the likeliest explanations:
- A forgotten Surprise Bag reservation. The final charge often posts after the collection window closes, so there can be a real gap between when you ordered and when the statement updates.
- A family member or roommate with access to your device or shared card placed the order.
- A duplicate pending line that looks like two charges when only one will actually settle.
If none of those fit, change your account password right away and follow Too Good To Go’s steps for reporting a charge you didn’t make.2Too Good To Go. I Dont Recognize a Charge on My Statement
Canceling Before You’re Charged
You can cancel a reservation in the app, but the deadline is firm: at least two hours before the collection window starts. Open the order and tap “Cancel reservation.” A timely cancellation lifts the pre-authorization and no charge settles.4Too Good To Go. How Can I Cancel My Order on Too Good To Go
Once you’re inside that two-hour window, the cancel button disappears. Your only option is to contact the Help Center and ask for a manual cancellation, and approval isn’t guaranteed. Most surprise charges trace back to this step — the order was placed, the window was missed, and the charge went through as normal.
When You Can Get a Refund
Too Good To Go’s policy splits refunds by fault. You may get a refund when the store caused the problem: the store was closed during the listed pickup window, the bag contents were significantly different from what was described, or there were food quality issues. All refund requests must be submitted within 30 days of the end of the pickup window.5Too Good To Go. Terms and Conditions – Using the App
You will not get a refund for what the company calls customer-side issues. The main one is a missed pickup. If you forgot the order or arrived after the window closed, the company treats the food as already set aside and often unsellable, and the charge stands.6Too Good To Go. Can I Get a Refund
Approved refunds take 3 to 10 business days to appear.6Too Good To Go. Can I Get a Refund The refund may not show as a separate credit — your bank might just remove the original pending charge rather than posting a distinct refund line.
How to Request a Refund in the App
Go to your profile, then “My Orders,” and open the order in question. Note the unique order ID; you’ll need it if the case escalates.3Too Good To Go. The Store Cancelled My Order How Do I Get a Refund Submit your request through the Help Center inside the app and include the date, amount, and order ID. A screenshot of the bank statement line matched to the order details helps if support needs to verify a discrepancy. Be specific about what went wrong; “the store was closed at 7:15 p.m.” gives support something concrete to check.
Disputing the Charge With Your Bank
If Too Good To Go denies the refund or doesn’t respond, you can dispute the charge with your card issuer. The rules depend on whether you paid by credit or debit card.
Credit Card
Federal law gives you 60 days from the date the statement was sent to notify your credit card issuer of a billing error in writing. The issuer must acknowledge the dispute within 30 days and resolve it within two billing cycles, and it cannot report the disputed amount as delinquent or pursue collection while the investigation is open.7Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution
Debit Card
Debit disputes fall under different rules. You still have 60 days from when the bank sends the statement to report the error, but the bank’s investigation timeline runs 10 business days, or up to 45 days if it provisionally credits your account during the review. Any provisional credit must appear within 10 business days of your report, and you must have full use of the funds while the investigation continues.8Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors
Try the App First
A bank chargeback should be a last resort. It pulls money from the merchant by force, and companies often suspend or ban accounts that file chargebacks without first using the internal refund process. Submitting through the Help Center creates a paper trail that also strengthens your position with the bank if you do escalate.