What Is the REPAY CCI Charge on Your Bank Statement?

A REPAY CCI charge on your bank statement is an electronic payment routed through Realtime Electronic Payments (REPAY) to a company abbreviated as CCI, most often Computer Credit, Inc., a North Carolina collection agency that works with hospitals, physician groups, and utility providers.1REPAY. REPAY Announces Partnership with Credit Management Company The label looks alarming because it names the payment processor and an acronym instead of the doctor’s office, hospital, or utility company you actually owed. In almost every case it traces back to a debt that was handed off to a collector, and the withdrawal is either a one-time payment you authorized or an installment on a plan.

What the Label Actually Means

The descriptor has two parts. REPAY is Realtime Electronic Payments, a technology company that processes electronic transactions for businesses in healthcare, energy, credit unions, and accounts receivable management.2Repay Holdings Corporation. Realtime Electronic Payments REPAY Completes 100 Million Debt Refinancing It doesn’t hold your debt or set the amount; it moves money from your account to whoever contracted its platform.

CCI is the merchant on the other end. Most commonly that’s Computer Credit, Inc., a collection agency, and the full name is compressed to three letters because bank statements have limited space for transaction descriptions.

Why the Charge Is Showing Up

The most frequent source is a medical bill. Hospitals and outpatient clinics send unpaid invoices to collection agencies after a set number of months. If you set up a payment plan with Computer Credit, Inc., or authorized a one-time payment, the withdrawal shows up as REPAY CCI rather than the provider’s name. REPAY’s platform serves healthcare and accounts receivable management specifically, which is why medical debt drives most of these entries.

Utility providers and other service companies use the same pipeline. An overdue electric or water bill that escalated to collections can produce an identical statement line. The dollar amount and timing are the best clues. Check whether the figure matches an installment you agreed to, or a balance you remember from a provider that might have sent the account out.

How to Confirm the Charge Is Yours

Open the full transaction detail in your bank’s online portal or app and write down the exact date, the amount to the cent, and any reference or transaction ID shown next to the REPAY CCI entry. Those details speed up every conversation that follows.

Ask your bank for the ACH trace number tied to the transaction. Every electronic transfer through the ACH network carries a unique trace number, and the first eight digits identify the financial institution that originated the payment request.3NACHA. ACH File Overview With that number your bank can confirm which company initiated the withdrawal.

Then search your own records for medical billing statements, collection letters, or payment confirmations that match the amount. A match between a physical invoice and the bank charge confirms the withdrawal is tied to a known debt. If nothing matches, contact REPAY directly. Customer service is 877-607-5468 and customerservice@repay.com.4REPAY. Contact Us Have your date, amount, and reference number ready. REPAY can identify which merchant received the funds and whether the charge was a one-time payment or part of a recurring plan.

What to Do If You Never Authorized It

Federal law requires any recurring electronic withdrawal from your account to be authorized in writing or by an equivalent electronic signature, with a copy provided to you. If no one obtained your permission, the charge is unauthorized and Regulation E sets your maximum exposure by how quickly you report it.

Report fast. Every day of delay potentially widens your exposure.

Once you file a dispute, your bank has 10 business days to investigate. If it can’t finish in that window, it can extend the investigation to 45 days, but only if it provisionally credits your account within the first 10 business days, and you get full use of those funds while the investigation continues. The bank must report its final determination within three business days of finishing.7eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors

How to Stop a Recurring REPAY CCI Payment

If you authorized a payment plan and now want it to stop, the cleanest route is to contact Computer Credit, Inc. (or whichever agency CCI represents in your case) and revoke the authorization directly. Get written confirmation that the recurring plan has been terminated.

If the agency is unresponsive, or you need the withdrawals stopped immediately, place a stop-payment order with your bank. Federal rules require you to notify the bank at least three business days before the next scheduled withdrawal. You can do this by phone or in writing, though the bank may require written confirmation within 14 days of an oral request; without that written follow-up when required, the stop-payment order expires after 14 days.8eCFR. 12 CFR 1005.10 – Preauthorized Transfers Most banks charge a stop-payment fee, often around $30 to $35.

Stopping the payment doesn’t erase the underlying debt. If you still owe the money, the collection agency can pursue it through other channels, including credit reporting or a lawsuit. Stop-payment makes sense when the charge is unauthorized or the amount is wrong, not as a way to walk away from a valid balance.

Your Rights When a Collection Agency Is Involved

Because Computer Credit, Inc. is a collector, the Fair Debt Collection Practices Act gives you specific rights that apply whether or not the underlying debt is valid.

Validation Notice

Within five days of first contacting you, a collector must send a written notice stating the amount owed, the name of the original creditor, and your right to dispute within 30 days.9Office of the Law Revision Counsel. 15 USC 1692g – Validation of Debts If money is leaving your account and you never received that notice, raise it with both the agency and your bank.

Right to Dispute and Demand Verification

Send a written dispute within 30 days of receiving the validation notice, and the collector must stop all collection activity until it provides verification, such as a copy of the original bill or a judgment.9Office of the Law Revision Counsel. 15 USC 1692g – Validation of Debts You can also request the name and address of the original creditor if it’s different from the current collector.

Right to Stop Contact

A written request telling the collector to stop contacting you cuts off further outreach. Once received, the collector can only reach out to confirm it’s ending collection efforts or to notify you of a specific legal action, such as a lawsuit.10Federal Trade Commission. Fair Debt Collection Practices Act This stops the calls and letters; it doesn’t cancel the debt.

What Paying a Medical Collection Does to Your Credit

Because REPAY CCI charges so often involve medical debt, the credit-reporting side matters. A CFPB rule that would have banned medical debt from credit reports was finalized but vacated by a federal court in July 2025, so it never took effect.11Consumer Financial Protection Bureau. CFPB Finalizes Rule to Remove Medical Bills from Credit Reports

The three major credit bureaus, however, adopted voluntary policies in 2022 and 2023 that still hold. Paid medical collections are removed from credit reports regardless of amount. Unpaid medical debt under $500 is not reported. Medical debt less than one year past due is excluded. These are industry commitments rather than statute, but they remain in effect as of 2026.

The practical result: if the REPAY CCI charge cleared a medical collection you’ve now paid in full, that entry should come off your credit report. If it doesn’t drop off on its own, dispute it with the credit bureau, citing the payment and the bureau’s own removal policy. Bureaus must investigate disputes within 30 days under the Fair Credit Reporting Act.