A Recibar charge on your bank statement almost always comes from Recibar Inc., a company that bills for subscription products sold under names like Proactify, Zenfy, Monivate, and Cognicate. If you signed up for a free trial or a recurring subscription with any of those brands and forgot about it, the charge is legitimate but cancelable. If you didn’t authorize it, federal law lets you dispute the transaction, recover the money, and block future withdrawals, provided you move quickly.
Why the Name on Your Statement Doesn’t Match What You Signed Up For
Recibar is the parent billing entity. The brand you interacted with, whether that was Proactify, Zenfy, Monivate, or Cognicate, runs its payments through Recibar, so the label your bank displays reads “Recibar” instead of the product name you’d recognize. That mismatch is the single most common reason people flag these charges as suspicious.
Two everyday situations put a Recibar charge on your account. The first is a free trial that converted. Many of these services take a debit card upfront and start billing automatically when the trial ends, so the first paid charge can feel like it appeared out of nowhere. The second is a recurring subscription you set up months ago. Preauthorized payments keep pulling on schedule until you cancel, and your bank processes them without sending a fresh confirmation each cycle.
How to Confirm Which Product Charged You
Tap the transaction inside your banking app. Most apps expose additional details like a merchant ID, a phone number, or a partial address that don’t show up in the summary view. Match the exact dollar amount against receipts and welcome emails in your inbox, and search your mail for Recibar, Proactify, Zenfy, Monivate, and Cognicate. If you installed anything around the date of the charge, check your app store purchase history too.
Still stuck? Call the number on the back of your debit card. Bank reps can pull the merchant’s full name and contact information that isn’t visible on your statement. You can also contact Recibar directly through its help center and ask which product the charge relates to.
Disputing a Charge You Didn’t Authorize
If the charge isn’t yours, the Electronic Fund Transfer Act governs how your bank has to handle it. Notify your bank as soon as you notice the transaction. You can do this by phone, in writing, or through your bank’s app.
Once you report the problem, the bank has 10 business days to investigate and tell you the result.1Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution If it can’t finish in that window, it must provisionally credit your account for the disputed amount within those 10 business days and continue investigating for up to 45 days total.2Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors The bank can hold back up to $50 from that provisional credit if it has reason to believe the transfer was unauthorized.
A few situations stretch the timeline. New accounts open less than 30 days, point-of-sale disputes, and transfers that originated outside the United States give the bank more time; foreign-initiated transfers allow up to 90 days.2Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors If you report by phone, your bank can require written confirmation within 10 days. Skip that follow-up when it’s required and the bank doesn’t have to issue a provisional credit while it investigates.1Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution
How Fast You Report Controls What You Could Owe
Federal law sets three liability tiers for unauthorized electronic transfers, and the gaps between them are large.
- Report within two business days of learning about the charge, and your liability is capped at $50 or the amount of the unauthorized transfer, whichever is less.3Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability for Unauthorized Transfers
- Miss the two-day window but report within 60 days of the date your bank sent the statement showing the charge, and your liability can climb to $500.4Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- Wait longer than 60 days after the statement was sent, and you can lose everything drawn from your account after that 60-day window closed and before you finally reported it. There is no cap.4Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
The 60-day clock starts the day your bank sent the statement, not the day you opened it. Extenuating circumstances like hospitalization or extended travel can extend these deadlines to a reasonable period, but that’s a fallback, not a plan.3Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability for Unauthorized Transfers Check your statements on a regular schedule.
Stopping Future Recibar Charges
If the charge is legitimate but you’re done with the service, cancel it two ways. First, cancel directly with Recibar or the product brand (Proactify, Zenfy, Monivate, or Cognicate). Use the cancellation link in your original confirmation email or the company’s help center, and save written confirmation of the cancellation date.
Second, place a stop-payment order with your bank. Federal law lets you stop any preauthorized recurring transfer from your account. Notify your bank at least three business days before the next scheduled payment date, by phone or in writing.5eCFR. 12 CFR 205.10 – Preauthorized Transfers If you called the order in, your bank can ask for written confirmation within 14 days, and if you don’t send it when required, the phoned-in order expires.6eCFR. 12 CFR 1005.10 – Preauthorized Transfers
Keep the date of your stop-payment request and any confirmation numbers the bank gives you. That paperwork is what you’ll need if a charge slips through after you’ve done everything right.