The SEI*soccer.com charge on your card is a purchase from soccer.com, the online store run by Sports Endeavors Inc. out of Hillsborough, North Carolina. The company sells cleats, apparel, shin guards, team uniforms, balls, and bags, and because its legal name is Sports Endeavors Inc., the billing descriptor shortens to “SEI” in front of the storefront name. If someone in your household recently ordered soccer gear online, that’s your charge. If nobody did, treat it as unauthorized and move quickly, because the clock on your dispute rights starts the moment the statement goes out.
How the Charge May Look on Your Statement
The descriptor doesn’t always appear the same way. Your bank’s processing system adds its own prefix, so depending on the card and the posting status, you may see any of these:
- CHKCARD Sei soccer.com or CHECKCARD Sei soccer.com
- POS Debit Sei soccer.com or POS PUR Sei soccer.com
- PRE-AUTH Sei soccer.com or PENDING Sei soccer.com
- Visa Check Card Sei soccer.com MC
- POS REFUND Sei soccer.com, which means money is coming back to you
The constant across all of them is “Sei soccer.com.” Everything in front of that is your bank’s label for the type of transaction.
Check Whether Someone in Your Household Bought Something
Before you call the bank, rule out the obvious. Search your email for messages from soccer.com or Sports Endeavors. An order confirmation will list the items, the shipping address, and the exact amount charged. Compare that total to the line on your statement, and check the transaction date against anything a spouse, teenager, or anyone else with access to the card might have ordered around then. Shared accounts and saved card details in a browser make it easy for one person to place an order the cardholder never sees.
If the confirmation email matches the charge, it’s legitimate. The only question left is whether you want to keep the items or send them back.
If You Want to Return the Items
For a legitimate purchase you’ve decided against, go through soccer.com directly rather than filing a bank dispute. Contact their customer service with your order number and check the current return policy on their site for the window and any shipping terms. Refunds generally take three to five business days to show up after the merchant processes them, and when the refund posts you’ll likely see “POS REFUND Sei soccer.com” on your statement.
Filing a chargeback for a purchase you simply want to return tends to backfire. The merchant can fight it with proof of delivery, and the process stretches out far longer than a routine return would have.
If the Charge Is Unauthorized and You Used a Credit Card
For a credit card, the Fair Credit Billing Act gives you the right to dispute a billing error, but you have to send written notice to your card issuer within 60 days after the statement containing the charge was mailed to you.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Miss that window and you can lose the right to dispute.
The notice must include your name and account number, a statement that the bill contains an error, the dollar amount, and the reason you believe it’s wrong.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Send it to the billing disputes address the issuer designates, not the general payment address. Certified mail with return receipt gives you proof the issuer received it.
Once the notice arrives, the issuer has 30 days to acknowledge it and must resolve the dispute within two complete billing cycles, capped at 90 days.1Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is open, the issuer cannot try to collect the disputed amount or report it as delinquent, and filing the dispute itself does not hurt your credit score. Most major issuers also accept disputes by phone or through their app, which is often faster, but the written notice is what fully triggers the statutory protections.
If the Unauthorized Charge Hit a Debit Card
Debit cards fall under the Electronic Fund Transfer Act and Regulation E, and the protections are narrower. A fraudulent debit charge pulls real money out of your checking account, so speed matters more. Your liability depends on how quickly you report the problem:
- Within two business days of learning about the unauthorized use, your maximum liability is $50.2Consumer Compliance Outlook. Consumer Liability for Unauthorized Transactions Under the Electronic Fund Transfer Act and Regulation E
- After two business days but within 60 days of receiving your statement, your maximum liability rises to $500.2Consumer Compliance Outlook. Consumer Liability for Unauthorized Transactions Under the Electronic Fund Transfer Act and Regulation E
- After 60 days, you can be on the hook for the full amount of unauthorized transfers that happen after that window closes.
Call your bank the day you spot the charge if you can. For a debit card, the money is already gone, and you’re waiting for the bank to put it back.
Stop the Next Charge Before It Happens
If the charge was unauthorized, filing the dispute is only half the job. Ask the bank to issue a new card number, not just flag the old one. Card networks run automatic update services that forward new numbers to merchants with recurring billing on file, so a replacement card alone doesn’t always break the connection. If another unauthorized charge from the same merchant appears after the new card arrives, call the bank back and ask them to block future transactions from that merchant specifically.
Turn on transaction alerts in your bank’s app. Most banks let you set the threshold as low as $1, which means every charge pings your phone. Catching an unfamiliar charge the same day puts you well inside both the 60-day FCBA window and the two-business-day Regulation E window, which is where your liability is lowest and your leverage is highest.