A charge labeled “MZ Wallace Inc” on your credit card or bank statement is a purchase from MZ Wallace, a New York-based handbag and accessories brand that sells quilted nylon bags, wallets, and travel goods through its own website, its SoHo boutique, and authorized third-party retailers. If you don’t recognize the charge, it most often traces back to a direct order, a gift someone bought using your card, or a pending authorization hold placed by the company’s online store.
Why the Charge May Look Unfamiliar
MZ Wallace’s online store runs on Shopify, which can display the merchant name on statements as “MZ Wallace Inc” rather than something more descriptive. That alone trips up a lot of shoppers, especially when the purchase was a gift or was placed by an authorized user on the account.
Authorization holds are the other common source of confusion. Shopify-powered stores typically authorize the card at checkout, and that hold can appear as a pending charge for up to 30 days even if the order was canceled or hasn’t shipped yet. Holds are not final charges. If the payment is never captured, the hold drops off on its own.
Contact MZ Wallace First
Before disputing anything with your bank, ask the company to look up the charge. MZ Wallace customer care is available daily from 8 a.m. to 9 p.m. ET.1MZ Wallace. Contact Us
- Phone (US/Canada): 1 (888) 601-4699
- Email: help@mzwallace.com
- WhatsApp: +1 (917) 444-8144
- Live chat through the icon on mzwallace.com
A representative can match a charge to a specific order, explain a pending authorization, or start a return if the purchase was legitimate but unwanted. Have the dollar amount, date, and the last four digits of the card ready.
Disputing an Unauthorized Charge
If MZ Wallace confirms the charge but you didn’t make the purchase, or you can’t get a resolution, you can dispute the charge with your card issuer. Under the Fair Credit Billing Act, your maximum liability for an unauthorized credit card charge is $50, and you must notify your issuer in writing within 60 days of the statement that contains the error.2Federal Trade Commission. Using Credit Cards and Disputing Charges After you file, the issuer must acknowledge the dispute within 30 days and resolve it within 90 days. You do not have to pay the disputed amount while the investigation is pending.
Returns if the Purchase Was Legitimate
If you or someone on your account did place the order and you want to send it back, MZ Wallace accepts returns within 21 days of the original delivery date. The item must be unused and in original condition with all accessories, including straps, pouches, and charms.3MZ Wallace. FAQ Refunds go back to the original payment method within seven business days after the warehouse receives the return.4MZ Wallace Help Center. Return Policy
Original shipping and handling are not refundable. If you use MZ Wallace’s prepaid return label, a flat $10 fee is deducted from your refund, or $15 to $20 for international returns.5MZ Wallace Help Center. How Do I Return My Order Members of the MZW Rewards program get complimentary return shipping on U.S. orders, and anyone can skip the label fee by shipping the return themselves through any carrier.
One boundary worth knowing: items bought from department stores or boutiques that carry MZ Wallace cannot be returned to the brand directly. Those go back to the original retailer.3MZ Wallace. FAQ If the mystery charge came through a retailer rather than mzwallace.com, your card statement would still show the retailer’s name, not “MZ Wallace Inc.”
What the Complaint Record Looks Like
As of mid-2026, the Better Business Bureau lists 13 complaints filed against MZ Wallace in the prior three years, with four closed in the last 12 months. The company is not BBB-accredited and left 11 of the 13 complaints unanswered.6Better Business Bureau. MZ Wallace Complaints The complaints cluster around product quality and customer service, not billing fraud, so an unexpected charge is more likely a holdover authorization or a gift purchase than a sign of a scam.
MZ Wallace offers a one-year repair service for items purchased directly from the brand, but you need proof of purchase and must pay outbound shipping.7MZ Wallace Help Center. Repair Policy If you’ve tried customer care without success and the charge is still unexplained, your card issuer’s dispute process is the next step.