A charge from Gateway Frontline Services on your credit or debit card statement almost always traces back to a service you paid for at a venue the company staffs, most often airport or arena parking. Gateway Frontline Services is a division of Gateway Group One, a Newark, New Jersey staffing firm that supplies parking attendants, skycaps, baggage handlers, taxi dispatchers, and security personnel to airports, stadiums, hospitals, malls, and corporate campuses.1Gateway Group One. Frontline Services
Where the Charge Probably Came From
Gateway Frontline Services doesn’t sell anything directly to consumers. It contracts with venues, and its workers collect payments on-site.1Gateway Group One. Frontline Services The company has a heavy presence at the three New York City-area airports, where its employees run parking garages and handle curbside services like skycap and baggage assistance.2Dun & Bradstreet. Gateway Security Inc Company Profile Past clients include Continental Airlines at Newark Liberty, the Prudential Center arena, and BMW North America.3NJ.com. Coffee Break: Gateway Group One
If you recently flew, parked at an airport lot, or attended an event in the Newark or greater New York area, the charge probably matches one of those transactions. Card statements typically shorten merchant descriptors to about 25 characters, so a parking payment can show up under the staffing company’s name rather than the airport or garage where you actually paid. That is why a legitimate charge can look like it came from nowhere.
Check It Before You Dispute It
Match the date and amount to your own records first. Airport parking charges often post a day or two after you leave the garage, so the statement date may not line up with your travel date.
Look through email confirmations, parking receipts, and calendar entries for the week around the charge. If nothing matches, call Gateway directly. The parent entity, Gateway Security, Inc., is at 604-608 Market Street, Newark, NJ 07105, phone (973) 465-1239.4Better Business Bureau. Gateway Security Inc BBB Profile Ask which location the charge originated from and what service it covered.
You can also call the number on the back of your card. Your issuer can pull additional transaction details, including the merchant category code and the address where the charge was processed, which often reveals the specific garage or terminal.
Disputing an Unauthorized Charge
If Gateway can’t explain the charge and you’re sure no one in your household made it, federal law gives you specific rights depending on which type of card was used.
Credit Cards
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and most major issuers waive even that.5FTC. Using Credit Cards and Disputing Charges To formally dispute, send a written letter to the billing-inquiry address on your statement — not the payment address. Include your name, account number, the charge amount and date, and why you believe it’s an error. The letter must reach your issuer within 60 days of the statement date on which the charge first appeared.6Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
Your issuer has 30 days to acknowledge the dispute and 90 days to resolve it. During the investigation, it cannot report the disputed amount as delinquent, try to collect on it, or close your account because you disputed.5FTC. Using Credit Cards and Disputing Charges You may withhold payment on the disputed portion, but keep paying the rest of your balance.
Debit Cards
Debit rules are stricter and timing-sensitive. Reporting the unauthorized transaction within two business days of discovering it caps your liability at $50. After two business days the cap rises to $500, and waiting more than 60 days after the statement is sent can leave you responsible for the full amount of subsequent unauthorized transactions. Once you report the issue, your bank generally has 10 business days to investigate. If it needs more time, it must issue a temporary credit for the disputed amount while it continues.7Consumer Financial Protection Bureau. How Do I Get My Money Back After an Unauthorized Transaction
If Your Dispute Is Denied
If the issuer decides the charge is valid, it must explain in writing, and you typically have 10 days to send additional evidence.8California Department of Justice. Credit Cards: Dispute a Charge If you still believe the outcome is wrong, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or report it to the FTC at reportfraud.ftc.gov.5FTC. Using Credit Cards and Disputing Charges
Not the Gateway Computer Company
Gateway Frontline Services has no connection to Gateway, Inc., the former South Dakota-based computer maker that settled FTC charges in 2001 over misleading “free” internet offers.9FTC. Gateway, Inc. Case Proceedings If you’re searching old records or warranty paperwork, those are two separate companies.