What Is the Revitalize Day Spa Charge on Your Statement?

A “Revitalize Day Spa” charge on your credit card is almost always a billing descriptor from a spa, medspa, or wellness business operating under a “Revitalize” brand. Small businesses often bill under a legal “doing business as” (DBA) name that doesn’t match the storefront you’d recognize, and card statements typically truncate descriptors to 20–25 characters, which can make even legitimate purchases look strange.¹ If nobody on your account made the purchase, federal law gives you clear ways to push back.

Why the Name Looks Unfamiliar

A DBA registration lets a company use a customer-facing brand without changing its underlying legal entity, and that DBA is often what shows up on your statement.² A local spa marketed as “Revitalize Day Spa” might be legally registered under an unrelated LLC or professional practice name. Mismatches between the storefront brand and the legal entity are common across the spa and wellness industry.³

Payment processors may also abbreviate or garble the name, so “Revitalize Day Spa and Wellness” could land on your statement as something shorter or misspelled. Some merchants use dynamic descriptors that customize the text by service type, but many don’t.¹

How to Identify the Charge Before You Dispute

Spend a few minutes confirming the charge is actually unauthorized. Many mystery entries turn out to be a family member’s purchase, a forgotten appointment, or a recurring membership.

Look at the full statement detail. Most entries include a transaction date, an abbreviated merchant name, and sometimes a city or phone number, and that phone number is often the fastest way to identify the business.⁴
Search the exact descriptor online. Even a slightly mangled name usually turns up the real merchant.⁵
Ask anyone else who has a card on your account before assuming fraud.⁶
Check linked wallets like PayPal, Apple Wallet, or Google Wallet, which sometimes show fuller merchant detail than the bank statement.⁶
Call the merchant if you can find a number. For a duplicate charge or a simple billing error, going to the business directly is usually the quickest fix.⁵

Disputing an Unauthorized Credit Card Charge

If nobody made the purchase and the merchant can’t explain it, the Fair Credit Billing Act (FCBA) gives you strong protection. The FCBA applies to open-end credit accounts such as credit cards and charge cards.⁷

You Have 60 Days

Send a written dispute to your card issuer within 60 days of the date the statement containing the charge was sent to you.⁸ Use the address your issuer designates for billing inquiries, not the payment address. Include your name, account number, the dollar amount, and why you think it’s an error.⁹ Certified mail with a return receipt gives you proof of delivery.

What Happens Next

Your issuer must acknowledge the dispute in writing within 30 days and resolve it within 90 days. While the investigation is open, the issuer cannot collect the disputed amount, charge interest on it, or report it as delinquent.⁷ You still owe any part of the bill you aren’t disputing.

If the issuer agrees the charge was an error, it has to correct the billing and refund related fees or interest. If it decides the charge is valid, it has to explain why in writing and tell you what’s owed and when.⁸ You then have 10 days to challenge that decision.⁷

How Much You Can Be Liable For

Under the FCBA, your liability for unauthorized credit card charges is capped at $50, and many major issuers waive even that under their own zero-liability policies.⁹

If the Charge Is on a Debit Card

Debit cards are covered by a different law, the Electronic Fund Transfer Act and its Regulation E, and the liability rules are less forgiving. What you could owe depends on how quickly you report:¹⁰

Within two business days of learning of the charge: liability is limited to $50 or the total unauthorized amount, whichever is less.
After two business days but within 60 days of your statement: liability can rise to $500.
After 60 days: you could be on the hook for the full amount of any unauthorized transfers that happen after the 60-day period.¹¹

If an unfamiliar spa charge shows up on a debit card, report it to your bank the day you spot it. Waiting costs money.

What If It’s a Membership You Forgot About

Some spa and wellness businesses sell memberships or subscription packages that bill automatically each month. If you signed up and forgot, the charge isn’t technically unauthorized, but you can still stop it.

The FTC advises contacting the company directly, following its cancellation instructions, and keeping records of the request. If the business keeps charging you after a confirmed cancellation, you can request a chargeback through your card issuer and report the company at ReportFraud.ftc.gov.¹²

Several states also regulate spa and health club memberships with contract-length caps, cooling-off periods, and required cancellation methods. New York, Georgia, and Indiana all have specific statutes in this area.¹³¹⁴¹⁵ Your state attorney general’s office can tell you what cancellation rights apply where you live.

Where to Escalate

If the charge turns out to be fraudulent, or a business keeps billing after you’ve canceled, two federal agencies take complaints:

The Federal Trade Commission accepts reports at ReportFraud.ftc.gov. The FTC doesn’t resolve individual complaints but uses them to detect patterns and bring enforcement actions.¹⁶
The Consumer Financial Protection Bureau takes complaints at consumerfinance.gov/complaint or (855) 411-2372. The CFPB forwards the complaint to the company and generally expects a response within 15 days.¹⁷

1
SecureBancard. The Importance of Doing Business As (DBA) Names in Merchant Services
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Chase. What Is a DBA
3
Revitalize CNY. Participating Insurance
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American Express. What Is This Charge on My Credit Card
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Discover. What Is This Charge on My Credit Card
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Credit One Bank. What Is This Charge on My Credit Card
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Investopedia. Fair Credit Billing Act (FCBA)
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Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
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Federal Trade Commission. Using Credit Cards and Disputing Charges
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Consumer Financial Protection Bureau. Regulation E, Section 1005.6
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Consumer Compliance Outlook. Consumer Liability
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Federal Trade Commission. How to Stop Subscriptions You Never Ordered
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New York Attorney General. Health Clubs and Gyms
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Georgia Consumer Protection Division. Health Spa Memberships
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Indiana Attorney General. Health and Fitness Clubs Fact Sheet
16
Federal Trade Commission. Report Fraud
17
Consumer Financial Protection Bureau. Submit a Complaint