A charge labeled “HSI USA INC” on your bank or credit card statement almost always comes from the Health & Safety Institute, a company that sells CPR, first aid, AED, and workplace safety training. If you, someone in your household, or your employer recently paid for a safety certification, a recertification, or an online compliance course, that is the likely source. Amounts range from about $25 for a single certification card to more than $200 for a full course package, and the charge can post days or even weeks after the class itself.
Who HSI Actually Is
HSI stands for Health & Safety Institute. The company provides safety and compliance training through a cloud-based platform covering environmental health, workplace safety, chemical management, and employee training. Its customers are concentrated in healthcare, construction, manufacturing, and emergency services, which is why most people who see this charge needed a credential for work.
One quick boundary before you go further: “HSI Financial Services, LLC” is a different company based in Atlanta that handles revenue cycle management for healthcare providers. If your statement reads “HSI Financial” rather than “HSI USA INC,” that is a separate business and you would call them at 800-282-3108, not the training company.
Why the Name on Your Statement Doesn’t Match Your Receipt
HSI is a parent company for a long list of training brands, and that mismatch is the single biggest reason people don’t recognize the charge. You may have signed up through a brand with a completely different name, but the payment settles under HSI USA INC.
The two subsidiaries most individuals run into are ASHI (American Safety & Health Institute) and EMS Safety, both of which handle CPR, AED, and first aid certification programs.1HSI. Professional CPR Certification – AED and Basic First Aid Training If you took a CPR class at a community center, a gym, or an employer-arranged session, your instructor likely used ASHI or EMS Safety materials. The confirmation email will reference that brand while your bank shows the HSI parent name. Other brands in the family include SafetySkills, Blue Ocean Brain, Vivid Learning Systems, CLMI Safety Training, SafeTec, Summit Training Source, 24-7 Fire & EMS, ej4, Vado, Solv, SOS, Donesafe, and Martech.2HSI. HSI Family of Brands
What the Charge Is Usually For
The most common source is a professional certification: CPR, first aid, Basic Life Support, or AED training. Healthcare workers, teachers, lifeguards, childcare providers, and construction workers all need these credentials, and most have to renew every one to two years. That renewal cycle is why people get caught by surprise, especially when an auto-renewal fires or a recertification posts weeks after the class.
Workplace safety courses required under OSHA regulations are the next big category. Employers buy bulk training subscriptions or individual course access through HSI’s platform for topics like hazardous waste operations, respiratory protection, and confined space entry. A single 24-7 EMS subscription runs about $65. Larger professional packages cost considerably more. If your employer told you to complete an online safety module and asked you to pay upfront for reimbursement, the charge may have landed on your personal card.
Smaller amounts in the $20 to $50 range often turn out to be continuing education units for paramedics, nurses, or firefighters keeping their licenses current.
How to Track Down the Specific Purchase
Before you call anyone, pull three things from your banking app: the exact date the charge posted, the dollar amount, and any reference or transaction ID. Then work through this list:
- Search your email for messages from HSI, ASHI, EMS Safety, SafetySkills, or any other brand on the list above. Confirmation receipts and completion certificates usually go out the same day the charge posts.
- Ask anyone else on the card. A college student in a healthcare program or a teenager getting lifeguard certified is a common explanation.
- Check with your employer if your workplace recently rolled out safety training. The charge may have been run through your card by mistake or on the understanding you’d be reimbursed.
- Log in to hsi.com or any subsidiary site where you’ve previously created an account. Your purchase history lives there.
If nothing turns up, contact HSI customer support at 1-800-447-3177 or customercare@hsi.com.3Health & Safety Institute. Contact Us – HSI Have the transaction details and the last four digits of the card ready so the billing team can find the payment on their end.
Disputing the Charge if It’s Not Yours
If HSI can’t match the charge to a legitimate purchase, or if you’re sure it’s fraudulent, you can dispute it with your credit card issuer under the Fair Credit Billing Act. One deadline matters above the rest: your written dispute has to reach the issuer within 60 days of the statement date on which the charge first appeared.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Miss that window and you lose the statutory protection.
Your notice has to include your name and account number, the charge you believe is wrong and the amount, and your reason for believing it’s an error. Send it to the billing-inquiries address your card issuer designates, not the general payment address. Once the issuer receives it, federal law requires acknowledgment within 30 days and completion of the investigation within two billing cycles, up to a maximum of 90 days.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is open, the issuer cannot try to collect the disputed amount or report it as delinquent.
Most banks also let you start a dispute through their app or website, which is faster than mailing a letter. The bank will usually issue a provisional credit while they investigate, and if the merchant can’t document that you authorized the charge, the credit becomes permanent. Filing an FCBA billing dispute is a different process from calling to report fraud; those statutory protections apply to credit card billing errors specifically.5Consumer Financial Protection Bureau. How Can I Get a Refund on a Product or Service I Purchased With My Credit Card Debit card disputes run under the Electronic Fund Transfer Act and follow a different timeline.
If Your Employer Required the Training
If the HSI charge appeared because your employer told you to take an OSHA-mandated course, you may be entitled to get the money back. OSHA generally requires employers to provide required training at no cost to employees. For hazardous waste operations and emergency response training under 29 CFR 1910.120, the agency has stated that all training must be provided without cost and that employers cannot shift the expense back through payroll deductions or loan arrangements.6Occupational Safety and Health Administration. Cost of Training Is the Employer’s Responsibility The same principle governs respiratory protection, where the employer has to pay for both training and medical evaluations.7Occupational Safety and Health Administration. Major Requirements of OSHA’s Respiratory Protection Standard 29 CFR 1910.134
If you paid out of pocket for a required course and the charge is sitting on your personal card, ask for reimbursement. The rule covers training that an OSHA standard requires for your job. Voluntary certifications you pursue on your own are not covered.