A “swagforhim” charge on your statement is a payment to swagforhim.com, an online store that sells men’s clothing and a pheromone-based cologne called Alpha Scent.1swagforhim.com. Swagforhim Homepage The charge almost always traces back to a one-time purchase, since the company states it does not run subscriptions or recurring billing.2swagforhim.com. Terms of Service If you don’t recognize it, a few quick checks will usually tell you whether it’s yours, and if it isn’t, you have clear rights to dispute it.
Why the Descriptor May Not Ring a Bell
Card statements often show merchants under a legal entity name, an abbreviation, or a parent company rather than the brand a shopper remembers, and descriptors are limited to roughly 25 characters, which can truncate names further.3Forbes. What Is This Charge on My Credit Card
Swagforhim’s own support page says the descriptor appears when someone bought directly from the site, when the order went through the site’s parent company, or when a household member placed the order using your card.4swagforhim.zendesk.com. Understanding Unknown Charges Ask anyone with access to the card before assuming fraud.
Check Whether the Charge Is Yours
Search your email inbox for subject lines like “Thank you for your purchase” or “Order summary” around the date of the charge.4swagforhim.zendesk.com. Understanding Unknown Charges A matching receipt confirms the purchase and shows what was ordered.
If nothing turns up, contact swagforhim directly. The company offers a Zendesk support ticket system and a phone line at +1 (888) 212-2366.4swagforhim.zendesk.com. Understanding Unknown Charges Return and refund terms are handled through a separate refund policy page referenced in the site’s terms of service.2swagforhim.com. Terms of Service
Disputing the Charge With Your Card Issuer
If the merchant can’t resolve it, or you’re convinced the charge is unauthorized, go to your card issuer. Your rights depend on whether you paid with a credit card or a debit card.
If You Paid With a Credit Card
Credit card billing disputes are governed by the Fair Credit Billing Act. Federal law caps your liability for unauthorized credit card charges at $50, and many issuers waive that.5FTC. Using Credit Cards and Disputing Charges To preserve your full rights, send a written dispute to the issuer’s billing inquiry address within 60 days of the statement date on which the charge first appeared.6CFPB. How Do I Dispute a Charge on My Credit Card Bill Include your name, account number, the amount and date of the charge, and why you believe it’s an error. Certified mail with a return receipt creates a paper trail.7FTC. Disputing Credit Card Charges
The issuer must acknowledge your dispute within 30 days and resolve it within 90 days.5FTC. Using Credit Cards and Disputing Charges While the investigation is open, you don’t have to pay the disputed amount, and the issuer can’t report you as delinquent on it or send it to collections.6CFPB. How Do I Dispute a Charge on My Credit Card Bill If the issuer misses those deadlines, it can forfeit the right to collect up to $50 of the disputed amount, even if the charge turns out to be legitimate.
If You Paid With a Debit Card
Debit transactions fall under the Electronic Fund Transfer Act and Regulation E. The protections exist but the clock is tighter. Report an unauthorized transfer within two business days of learning about it and your liability is capped at $50.8CFPB. Regulation E Section 1005.6 Wait longer, up to 60 days after your statement, and the cap rises to $500.9Cornell Law Institute. 15 U.S.C. § 1693g Miss the 60-day window and you could face unlimited liability for further unauthorized transfers the bank can show it would have prevented if you’d reported sooner. The burden is on the financial institution to prove a transfer was authorized or that the higher liability thresholds apply.
If the Dispute Stalls, Escalate
Two federal agencies take consumer complaints. The Consumer Financial Protection Bureau handles credit card and bank account complaints at consumerfinance.gov/complaint or (855) 411-2372.7FTC. Disputing Credit Card Charges The Federal Trade Commission accepts fraud reports at ReportFraud.ftc.gov; the FTC can’t resolve individual cases, but the reports feed a database law enforcement uses to spot patterns.10FTC. ReportFraud.ftc.gov
What’s Known About Swagforhim.com
The domain was registered in February 2025, making the site relatively new.11Gridinsoft. Swagforhim.com Online Analysis It carries a valid SSL certificate and has not appeared on malware or phishing blacklists, but independent reputation data is thin: no consumer reviews were found on major review platforms, and the owner is masked through WHOIS privacy.12Scamadviser. Check Website Swagforhim.com One security scanner flagged AI-generated text patterns on the site and rated it “caution advised.” None of that proves anything is wrong, but if you’re placing an order, use a credit card or another payment method that carries buyer protection.