A charge labeled “OVC travel AZ” on your credit card or bank statement comes from Our Vacation Center, a Scottsdale, Arizona travel company owned by Arrivia, Inc. and formerly known as International Cruise & Excursion Gallery.1Privileges Travel. Terms and Conditions The charge almost always ties back to a travel booking, a booking fee, or a vacation club membership that renewed automatically. The “AZ” in the descriptor is simply the company’s home state.
Who Our Vacation Center Is
Our Vacation Center operates out of 15147 N. Scottsdale Rd., Suite 210, Scottsdale, AZ 85254, the address of its parent company Arrivia.2Our Vacation Center. Terms of Use3Destinos Unlimited. Landing Page4WORLDvantage. Terms and Conditions If you or an authorized user on your account signed up for any of those programs, payments run through Our Vacation Center and can post as OVC.
The customer service line historically tied to Our Vacation Center is 1-866-397-4470. Arrivia’s general customer service number is 1-800-860-0763.1Privileges Travel. Terms and Conditions
Why the Charge Is on Your Statement
An OVC transaction usually falls into one of three buckets:
- A deposit or final payment on a cruise, hotel stay, or vacation package booked through one of Arrivia’s programs.4WORLDvantage. Terms and Conditions
- An annual membership renewal. Introductory renewal rates have been listed at $99 per year, and reactivating an expired membership costs $200.3Destinos Unlimited. Landing Page
- Booking or call-center fees for phone reservations, charged per booking for hotels and cars or per ticket for airlines.1Privileges Travel. Terms and Conditions
Charges usually process the same business day but can take up to three business days to appear. If a payment is declined, the company assesses a denial fee of $25 per person after a deposit or $50 per person after final payment.1Privileges Travel. Terms and Conditions
Memberships renew automatically. If you don’t want to be charged again, you have to cancel before the renewal date.
Canceling and Getting a Refund
Cancellation fees for a specific booking depend on the supplier and are listed on the booking confirmation. Refunds on cancelled bookings can take six to eight weeks.3Destinos Unlimited. Landing Page
For membership charges, the terms give a limited window to rescind. Non-Florida residents have 10 days from enrollment to cancel for a full refund. Florida residents have 30 days under Florida Statute 559.933. After that window, membership dues refunds are subject to processing and administrative fees and can take up to 90 days.1Privileges Travel. Terms and Conditions
Not the Same Company as Online Vacation Center
Our Vacation Center is not affiliated with Online Vacation Center, a Fort Lauderdale-based cruise retailer with a similar name. The Better Business Bureau specifically warns consumers that the two are separate.5Better Business Bureau. Online Vacation Center Inc BBB Business Profile If the descriptor on your statement says OVC with an Arizona location, it belongs to the Arrivia entity, not the Florida cruise retailer.
Disputing an OVC Charge
Start with the merchant. Calling Arrivia at 1-800-860-0763 and asking them to identify the transaction often resolves an unfamiliar-looking charge, especially if a spouse, family member, or other authorized user on your card booked travel or enrolled in a membership.
If the merchant won’t resolve it or the charge is unauthorized, dispute it with your card issuer. Under the Fair Credit Billing Act, your written dispute must reach the 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 Send it to the issuer’s billing inquiries address (not the payment address), include your name, account number, and a description of the disputed charge, and use certified mail with return receipt.7Federal Trade Commission. Using Credit Cards and Disputing Charges
The issuer has to acknowledge your dispute within 30 days and resolve it within 90 days. While the investigation is open, you don’t have to pay the disputed amount, and the issuer can’t report it as delinquent or send it to collections.8Consumer Financial Protection Bureau. Regulation Z Section 1026.13 Federal law caps your liability for unauthorized charges at $50, and most major issuers offer zero-liability protection.7Federal Trade Commission. Using Credit Cards and Disputing Charges
Where to File a Complaint
Because Our Vacation Center is based in Arizona, deceptive billing complaints can go to the Arizona Attorney General’s Consumer Information and Complaints Unit online, by mail to 2005 N. Central Ave., Phoenix, AZ 85004, or by phone at (602) 542-5763.9Arizona Attorney General. Consumer Complaints The office investigates practices under Arizona’s Consumer Fraud Act and may forward your complaint to the business as part of informal dispute resolution.
You can also report the issue to the Federal Trade Commission at ReportFraud.ftc.gov or 877-382-4357.10Federal Trade Commission. ReportFraud FAQ The FTC won’t resolve your individual complaint, but reports go into the Consumer Sentinel database used by more than 2,000 law enforcement agencies. If your card issuer’s investigation ends unfavorably, the Consumer Financial Protection Bureau also accepts complaints.7Federal Trade Commission. Using Credit Cards and Disputing Charges