A “noxard” charge on your bank or credit card statement is a recurring monthly subscription fee from Noxard, an online gaming service. It most often shows up as $19.90, but it can also hit at $29.90 or $34.90 depending on which membership tier was selected at sign-up.1Noxard. Terms of Service If you don’t remember signing up, the charge is almost certainly from a subscription that has been quietly auto-renewing every 30 days.
Why the Charge Keeps Appearing
Noxard sells access to a library of games through tiered plans priced at $19.90, $29.90, and $34.90 per month. Every monthly plan renews automatically every 30 days unless it is canceled before the next billing date.1Noxard. Terms of Service That is why a single sign-up, or even a free trial, can keep producing charges month after month under the descriptor “noxard” until the subscription is actively ended.
Cancel the Subscription First
You can cancel a Noxard subscription at any time by calling customer service at (888) 430-0244 or emailing support@noxard.com. Access continues through the end of the current billing cycle, and no further charges should post after that.1Noxard. Terms of Service
Noxard also offers a refund window. You can request a refund within 30 days of your most recent charge using the same phone number or email. Approved refunds go back to the original payment method and are processed within 24 hours on Noxard’s end, though your bank may take 7 to 14 days to post it.1Noxard. Terms of Service Ask for a cancellation confirmation in writing and keep it.
Dispute the Charge With Your Card Issuer
If Noxard refuses a refund, or you never authorized the charge in the first place, you can dispute it through your bank or card issuer. The rules depend on whether the charge posted to a credit card or a debit card.
Credit Card Charges
Federal law gives you 60 days from the statement showing the disputed charge to notify your card issuer in writing. Include your name and account number, identify the charge, and explain why you believe it is an error. The issuer must acknowledge the dispute within 30 days and resolve it within two billing cycles, up to a maximum of 90 days. While the investigation is open, you do not have to pay the disputed amount, and the issuer cannot report it as delinquent.2Consumer Financial Protection Bureau. Regulation Z — Section 1026.13 (Billing Error Resolution)
For any charge where the physical card was not presented, which covers every online subscription, your liability for unauthorized use under Regulation Z is zero.3FDIC. Consumer News Many issuers extend that to all unauthorized transactions through their own zero-liability policies.
Debit Card Charges
Debit card disputes fall under Regulation E, and the timing matters more. Report an unauthorized transaction within two business days of noticing it and your liability is capped at $50. Between two and 60 days, the cap rises to $500. After 60 days, you could be on the hook for the full amount of any transfers that happened after that window closed.4eCFR. Regulation E — 12 CFR Part 1005 Your bank must investigate promptly once notified, and it cannot require you to file a police report or contact the merchant first before it begins work.5Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
Stop Future Charges From Going Through
Canceling and disputing deal with past charges. To block future ones, the Consumer Financial Protection Bureau recommends writing to the merchant to revoke payment authorization, then notifying your bank separately that the authorization has been revoked. Your bank may suggest a stop-payment order, which can carry a fee. If a charge still goes through after you’ve properly revoked authorization, you can dispute it and request a refund from the bank.6Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account
Where to File a Complaint
If the merchant and your bank both come up short, you can escalate. The National Association of Attorneys General maintains a directory of every state’s consumer protection complaint portal, searchable by state.7NAAG. File a Consumer Complaint The FTC also accepts complaints about subscription services. These agencies rarely resolve individual disputes, but patterns of similar complaints can trigger enforcement action.