What Is the PFIVFY Charge? How to Cancel, Dispute, and Report It

A PFIVFY charge on your bank or credit card statement is a recurring monthly subscription fee billed by PFI Verify, a personal finance service operated by Miami-based Credique LLC. The charge is usually $29.95, $34.95, or $39.95 per month, and many people who see it don’t remember signing up. If that’s you, you can cancel the subscription and, for charges you didn’t authorize, dispute them through your card issuer.1PFI Verify. Terms and Conditions

What PFI Verify Is

PFI Verify markets itself as a personal finance information service that consolidates transactions, balances, and holdings from various financial institutions and offers dashboard visualizations plus access to an approximate credit score through third-party providers. Its own terms state that “financial insights provided by us cannot be guaranteed in any way.” It is not a bank, lender, or credit bureau.1PFI Verify. Terms and Conditions

PFI Verify is one of several brands owned by Credique LLC, which describes itself as a digital product company running financial platforms in the United States and Canada. Related brands include Financeify, Credit Verify, Financial Insights, PFM Verify, and others.2Credique. Credique LLC That matters because the descriptor on your statement may not say “PFI Verify” at all.

How the Charge Appears on Your Statement

Billing descriptors vary. Consumers have reported seeing “PFIVFY,” “PVER3.US,” “FINANCEIFY,” and other labels tied to Credique’s network of sites, which includes pfiverify.com, pfivfy.us, yourpfi.us, and pfmverify.com.3Better Business Bureau. Credique LLC Complaints

PFI Verify sells three plans. Plan I has a seven-day introductory period, Plan II a two-day introductory period, and Plan III charges $39.95 immediately with no trial. After any introductory period, the subscription auto-renews monthly at the rate you selected. A $1 verification fee may also appear at signup.1PFI Verify. Terms and Conditions The $39.95 amount is the one most often reported by people who don’t recognize the charge.4JustAnswer. PFI Verify Subscription Charge

How People End Up Enrolled Without Realizing It

In responses to Better Business Bureau complaints, Credique has said consumers are “typically redirected to its website after applying for loans, insurance, or other financial services that require credit monitoring,” and that all signups happen directly on its site.3Better Business Bureau. Credique LLC Complaints

Credique’s own website describes a business built on affiliate partnerships, offering “cross-sell offers for hard-to-place declines and loan traffic” with co-branded landing pages, pre-filled user data, and cost-per-action or cost-per-lead payouts.2Credique. Credique LLC Someone applying for a loan online can be routed to a PFI Verify signup page as part of that cross-sell without recognizing it as a separate paid product.

Credique LLC currently carries an “F” rating from the BBB and is not BBB-accredited. It has received 893 complaints over the past three years, most of them about billing.5Better Business Bureau. Credique LLC BBB Profile Independent site-trust platform Scamadviser gave pfivfy.us a trust score of 1 out of 100 and labeled it a potential “chargeback prevention scam,” a term for a customer-service setup designed to keep consumers engaged with the company rather than disputing charges through their bank.6Scamadviser. Pfivfy.us Review

Cancelling the Subscription Directly

PFI Verify lists three ways to cancel:

  • Phone: 1 (855) 509-5992, Monday through Friday, 10:00 a.m. to 6:00 p.m. Eastern.
  • Email: hello@pfiverify.com. The company’s terms say you cannot cancel by email without first verifying your identity.
  • Mail: Credique LLC, 66 W Flagler Street, Suite 929, Miami, FL 33130.7YourPFI. PFI Verify Customer Support

The terms state that all subscription fees are non-refundable, that there are “no refunds or credits for partial months of Service, plan downgrades, or refunds for unused time,” and that only the $1 verification fee is refundable.1PFI Verify. Terms and Conditions BBB complaint records show the company does sometimes issue partial refunds covering three or four recent months, and in some cases has cited the Fair Credit Billing Act’s 60-day window to argue that older charges are the consumer’s responsibility. Other consumers have been told a refund could not be processed to their card because of a “closed merchant account” and offered a gift card instead.3Better Business Bureau. Credique LLC Complaints

Cancelling stops future charges. For charges you never authorized, your bank is a stronger route.

Disputing the Charge With Your Bank

Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and most issuers waive even that.8Federal Trade Commission. Disputing Credit Card Charges To dispute a PFIVFY charge:

  • Call the number on the back of your card or use your issuer’s online dispute tool, and ask for a chargeback on the unauthorized charge.
  • Send a written dispute to your issuer’s billing inquiry address (not the payment address) within 60 days of the statement date showing the charge. Include your name, account number, the charge amount, and a statement that you did not authorize it.9California Attorney General. Credit Cards – Dispute a Charge
  • Ask the issuer to close the compromised card number and send a replacement so the charges cannot continue.

Once you file, your issuer must acknowledge the dispute within 30 days and resolve the investigation within 90 days. You are not required to pay the disputed amount during that time, and the issuer cannot report it as delinquent.8Federal Trade Commission. Disputing Credit Card Charges

Keep records: screenshots of the charge, any cancellation confirmation, and any emails or letters from the company or your bank.

Reporting the Company

Filing a report doesn’t produce an individual refund, but it feeds regulators the pattern data they use to open investigations.

The FTC finalized an updated negative-option rule in November 2024, requiring sellers to disclose all material terms before collecting billing information, obtain affirmative consent to recurring charges, and offer a cancellation method at least as simple as signup, with full compliance required by May 14, 2025.12Federal Register. Rule Concerning Recurring Subscriptions and Other Negative Option Programs The CFPB has separately said that enrolling consumers without their knowledge, burying material terms, and building unreasonable cancellation barriers can be unfair or deceptive practices.13Consumer Financial Protection Bureau. Unlawful Negative Option Marketing Practices These rules don’t give you a direct refund mechanism, but they are the framework agencies use when they act on the complaints they receive.