An MWJ LLC charge on your bank or credit card statement is a payment for something you bought from a vending machine operated by MWJ Vending, a Hapeville, Georgia company that has run Coca-Cola vending locations at Hartsfield-Jackson Atlanta International Airport since 2004.1Arkansas Black Hall of Fame. Mack Wilbourn – 2024 Honoree If you tapped or swiped a card at one of those machines for a drink or a snack, this is where it shows up.
Why the Descriptor Looks Cryptic
Cashless vending purchases almost never print a plain merchant name on your statement. What you usually see is a descriptor tied to the payment processor, followed by the operator’s name. The “CMSVEND” prefix refers to CMS, originally Complete Merchant Solutions and now rebranded as Nexio, which processes the card transactions for these machines.2CMS Online. Complete Merchant Solutions So a line reading “CMSVEND*MWJ LLC” just means the payment ran through CMS/Nexio for a purchase at an MWJ vending machine.
A two- or three-dollar charge from days or weeks earlier is easy to forget, and the formatting makes it hard to link back to the bottle of Coke you grabbed on the way to your gate.
Check Whether Someone Bought Something
Before treating the charge as fraud, think through who else uses the card. A spouse, family member, or employee with authorized access may have used a vending machine recently, particularly if anyone on the account has passed through the Atlanta airport. Small vending charges get overlooked constantly, and this is the most common explanation.
If nobody on your account made the purchase, the charge could be a processing error or, less often, fraud. Thieves sometimes run small test purchases at low-value merchants like vending machines to confirm a stolen card number is still active before trying larger transactions.3Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud If that’s a real possibility, call the number on the back of your card, report the charge, and ask for a replacement card.
If the Machine Took Your Money and Didn’t Deliver
When the problem is with the machine itself, meaning your card was charged but no drink or snack came out, the payment processor runs a refund request page at cmsvend.com, and support can be reached at support@cmsvend.com.4Canteen. FAQ Going through the processor is usually faster than opening a formal dispute with your bank for a charge this small.
Disputing the Charge With Your Bank
If you can’t resolve it directly and want to dispute the charge formally, your rights depend on the type of card. On a credit card, the Fair Credit Billing Act caps your liability for unauthorized charges at $50 and gives you 60 days from the date the statement was sent to submit a written dispute.5Federal Trade Commission. Using Credit Cards and Disputing Charges The issuer must acknowledge the dispute within 30 days and resolve it within 90 days.6Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill While the investigation is open, you don’t have to pay the disputed amount, and it can’t be reported as delinquent.
On a debit card, protections come from the Electronic Fund Transfer Act and Regulation E. Those rules cover unauthorized transfers and errors like duplicate charges, but they generally do not extend to disputes about the quality of goods or services.7Consumer Compliance Outlook. Credit and Debit Card Issuers Obligations When Consumers Dispute Transactions In practice, most banks will still let you dispute a small debit card charge through their fraud department.
Who MWJ LLC Is
MWJ, LLC is a Georgia limited liability company whose managing partner is Mack Wilbourn.1Arkansas Black Hall of Fame. Mack Wilbourn – 2024 Honoree It operates as MWJ Vending and runs Coca-Cola vending machines inside Hartsfield-Jackson Atlanta International Airport.8Dun & Bradstreet. MWJ, L.L.C. Company Profile If your card recently passed through that airport, that’s almost certainly where the charge came from.