If you see Beck Services Inc on a bank statement and don’t recognize it, the charge is almost certainly a recurring membership fee that a third-party billing company is collecting on behalf of another business, most often a roadside assistance program like the National Motor Club. The amount usually runs between $10 and $30 a month. You cancel by calling the number printed next to the charge, and if the company keeps billing you after that, federal law gives you a defined path to dispute the charges and get your money back.
What Beck Services Inc Actually Is
Beck Services is an outsourced billing administrator based in Oklahoma City. It doesn’t sell the service you’re paying for; it collects the money for whoever does. The programs it handles most often are roadside assistance plans covering towing, lockout help, and battery jump-starts, along with identity theft monitoring and legal protection memberships.
That’s why the name on your statement probably doesn’t match anything you remember signing up for. The product you enrolled in has one name; the biller has another. This mismatch is the single most common reason people think the charge is fraud when it’s actually a subscription they forgot about.
Why the Charge Is on Your Statement
Two enrollment paths account for most of these charges. The first is an optional add-on offered during a credit card application, usually pitched as “account protection” or “roadside coverage,” sometimes with a pre-checked box. Agreeing starts a recurring cycle that keeps running quietly for years.
The second is a free trial from a telemarketing call or online offer that converted to a paid subscription once the trial period ended. Older accounts tied to retail or gas station credit cards are especially likely to carry these charges, because most people never audit those statements.
How to Cancel
Pull three details from the transaction before you call: the date the charge posted, the exact dollar amount, and the last four digits of the card that was billed. Your banking app shows all of this in the transaction detail. Then look for the phone number printed alongside the merchant name. That number goes to the billing administrator’s cancellation line.
Call and ask to cancel. When the agent confirms, ask for a confirmation number and write it down along with the date, time, and the representative’s name. Then follow up in writing. Send a cancellation letter by certified mail with return receipt requested to the address the agent gives you. The signed green card is your proof that the company received your request on a specific date, which prevents any later dispute about whether you actually canceled. Keep copies of the letter, the mailing receipt, the return card, and your call notes together.
Your Right to Easy Cancellation
The FTC’s Click-to-Cancel Rule, effective May 2025, requires any company offering a subscription to let you cancel at least as easily as you signed up. If you enrolled online, the company must offer online cancellation and cannot force you to call or show up in person. Separately, the Restore Online Shoppers’ Confidence Act requires internet sellers to provide simple cancellation and to get your express informed consent before converting a free trial into a paid subscription.1Congress.gov. Restore Online Shoppers’ Confidence Act
Disputing the Charge on a Credit Card
If the company won’t cancel, ignores your letter, or keeps billing after confirming cancellation, your next step depends on which type of card was charged. Credit card disputes go through the Fair Credit Billing Act, and you don’t have to resolve anything with the merchant first before disputing with your card issuer.2Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution
Send a written dispute to the billing inquiries address your issuer designates. Include your name, account number, the disputed amount, and why you believe it’s an error. The issuer must acknowledge within 30 days and resolve the dispute within two billing cycles, capped at 90 days.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
The deadline is strict. Your written notice must reach the card issuer within 60 days of the statement date that first showed the disputed charge.2Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution Miss that window and you lose your FCBA dispute rights for that charge. For a recurring fee you’ve been overlooking, that usually means you can only dispute the most recent one or two months.
Disputing the Charge on a Debit Card
Debit cards fall under the Electronic Fund Transfer Act, and the consequences of waiting are worse. You still have 60 days from the date your bank sends the statement to report the problem, but if you miss that deadline, you can be liable for the full amount of any unauthorized transfers that occur after the 60-day window closes.4Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
Report on time and the bank must investigate within 10 business days. It can extend the investigation to 45 days, but only if it credits your account provisionally within those first 10 business days.5Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors One catch: if you notify the bank by phone, it can require written confirmation within 10 business days, and without that written follow-up it doesn’t have to give you provisional credit.6Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution Ask the representative whether written confirmation is required, and send it the same day if it is.
Filing a Complaint If the Company Won’t Stop
If the charges continue after you’ve done everything above, two federal agencies take consumer complaints. The Consumer Financial Protection Bureau accepts complaints about financial products at consumerfinance.gov/complaint or by phone at (855) 411-2372. The CFPB forwards your complaint to the company and requires a response.7Consumer Financial Protection Bureau. Submit a Complaint
The Federal Trade Commission accepts reports at reportfraud.ftc.gov for companies that keep charging after cancellation or that enrolled you without clear consent.8Federal Trade Commission. ReportFraud.ftc.gov An individual FTC report usually won’t produce a personal refund, but it feeds the enforcement record the agency uses to decide who to investigate. The FTC recommends keeping every cancellation request and every set of call notes, since those records also strengthen your bank dispute.9Federal Trade Commission. How to Stop Subscriptions You Never Ordered