A charge labeled 35314369001 on your bank statement is almost always connected to Signet Jewelers, the parent company of Kay Jewelers, Zales, and Jared. It usually traces back to a jewelry purchase, a financing payment on a store-branded credit card, or a recurring protection plan from one of those brands. If the amount and timing match something you bought or signed up for, it’s legitimate. If nothing lines up, you have clear rights to dispute it.
The string of digits itself is an internal merchant or transaction identifier, not a phone number you can call. Signet’s actual customer service line is 1-800-527-8029.
Why the Charge Shows Up This Way
Signet outsourced its consumer credit portfolio to third-party financial partners, so a payment tied to one of its brands can post under a merchant code rather than a recognizable store name.1Signet Jewelers. Signet Jewelers Extends Liquidity for Inspiring Brilliance Strategies, Further Strengthens Balance Sheet by Removing Consumer Credit Risk A few common sources:
- A monthly payment on a Kay, Zales, or Jared store credit card.
- A Lifetime Protection Plan or Extended Service Plan covering repairs, resizing, or cleaning. These often bill as small recurring charges.
- A one-time in-store or online jewelry purchase paid by debit or credit card.
The dollar amount is your first clue. A small recurring charge under $20 is likely a protection plan. A larger amount on a predictable schedule points to a financing installment. A one-off charge should match a specific purchase date.
How to Verify Before You Dispute
Check your own records first. Search your email for order confirmations from Kay, Zales, or Jared. Look through any financing paperwork or protection plan receipts. Compare the dollar amount and date on your statement against what you find.
If you hold a store-branded credit card, log in to the issuer’s site to see what posted. Signet’s second-look financing accounts are managed by Concora Credit at 866-502-6439, which can confirm whether a payment came out of your account and what it covered.2Concora Credit. Contact Us
Then ask whoever shares the account. Jewelry purchases are often made by a spouse or partner, especially around holidays or engagements. A short conversation can resolve the mystery before you file anything.
If no one you share finances with made a purchase, you don’t have a Signet-branded card, and no record ties you to any of these brands, treat the charge as unauthorized and move quickly.
Disputing the Charge on a Credit Card
The Fair Credit Billing Act gives you 60 days from the date the statement containing the error was sent to dispute an unauthorized credit card charge. The dispute has to be in writing and sent to the creditor’s billing error address; a phone call alone does not preserve your rights. Your letter should include your name, account number, the disputed amount, and the reason you believe it’s an error.3Office of the Law Revision Counsel. United States Code Title 15 – 1666
The creditor must acknowledge your letter in writing within 30 days and must either correct the error or explain why the bill is accurate within two billing cycles, and no more than 90 days total. While the investigation is open, it cannot report you as delinquent on the disputed amount or try to collect it.4Federal Trade Commission. Fair Credit Billing If the charge was indeed an error, the creditor must credit the full amount plus any finance charges or late fees caused by the incorrect billing.
Disputing the Charge on a Debit Card or Bank Account
If the charge hit a checking or savings account rather than a credit card, the Electronic Fund Transfer Act controls, and the timing matters much more. Your maximum liability is $50 if you notify the bank within two business days of learning about the transfer. Wait beyond two business days but report within 60 days of the statement being sent, and liability can climb to $500. Miss the 60-day window and you can be liable for the full amount of any transfers that happened after that deadline.5Office of the Law Revision Counsel. United States Code Title 15 – 1693g
Once you report an error, the bank generally has 10 business days to investigate, and many banks will provisionally credit the disputed amount while they review.6Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors Because the money has already left your account, speed matters more than it does with a credit card dispute.
Stopping a Recurring Charge You Recognize
If the charge turns out to be a protection plan or service contract you signed up for and no longer want, don’t file it as fraud. Call the Signet brand where you bought the plan. Kay, Zales, and Jared can each cancel protection plans and stop future billing. Get the cancellation in writing so you have proof if charges continue.
You can also instruct your bank or card issuer to block future charges from the merchant, sometimes called a stop payment on recurring debits. One thing to weigh first: canceling a protection plan may leave the jewelry uncovered for loss or damage.