A Vertigo LLC charge on your credit card is almost always an insurance premium payment. Vertigo, LLC is a property and casualty managing general agency (MGA) that collects premiums through a third-party billing platform called Bill It Now, so its name — rather than your broker’s or your insurance carrier’s — is what lands on your statement.1Bill It Now. Vertigo LLC New User Registration2Bill It Now. Frequently Asked Questions If you have an auto, home, renters, workers’ compensation, or other P&C policy — especially one placed through a retail broker — the charge is likely a routine installment.
Why Vertigo’s Name Appears Instead of Your Broker’s
The billing descriptor on a card statement reflects whichever entity actually ran the transaction, not the storefront you bought from.3Stripe. Billing Descriptors Insurance tends to involve several parties: you buy from a retail broker, the broker places coverage with an MGA or carrier, and the MGA uses a billing platform to collect premiums. Vertigo sits in the middle of that chain, which is why its name is unfamiliar even when the underlying policy isn’t.
Bill It Now is a billing and payment-processing intermediary, not a premium finance company. It handles billing inquiries, runs credit card and ACH payments, and manages installment schedules on behalf of MGAs like Vertigo.2Bill It Now. Frequently Asked Questions Vertigo also maintains a policyholder portal at vertigobilling.misinservices.com, and that portal directs billing questions back to your insurance broker — another sign that Vertigo sits between the carrier and the retail agent.4Vertigo LLC. Vertigo LLC Login Screen
How to Confirm the Charge Is Yours
A few quick checks will usually settle whether the charge belongs to a policy you already have.
- Pull the declarations pages for your auto, home, renters, or business insurance. Compare the Vertigo charge amount and date to your premium schedule. If you pay in installments, it should line up with a monthly or quarterly draft.
- Call the broker or agent who sold you the policy. They can confirm whether Vertigo handles billing for your coverage.
- Log in at vertigobilling.misinservices.com, or register at billitnow.com, using information from your declarations page or billing notice. The portal shows your transaction history.1Bill It Now. Vertigo LLC New User Registration
- Match the date, amount, and any reference number on your statement to the payment schedule in your policy documents.
Most people who look into a Vertigo charge find it is a legitimate premium draft that simply doesn’t carry a recognizable name.
What to Do If You Don’t Recognize the Policy
If none of your policies match and the charge is genuinely unfamiliar, federal law gives you several ways to respond.
Dispute the Charge in Writing
The Fair Credit Billing Act lets credit cardholders dispute billing errors, including unauthorized charges. Send a written dispute to the address your card issuer designates for billing inquiries (not the payment address), and make sure it arrives within 60 days after the first statement showing the charge was sent to you.5Federal Trade Commission. Using Credit Cards and Disputing Charges Include your name, account number, a description of the charge, and copies of anything that supports your position.
The issuer has to acknowledge your complaint within 30 days and resolve it within 90 days.6Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill While the dispute is open, you can withhold payment on the contested amount, and the issuer cannot report you as delinquent or send that amount to collections.5Federal Trade Commission. Using Credit Cards and Disputing Charges Your liability for unauthorized credit card charges is capped at $50 under federal law, and many issuers extend zero-liability protection beyond that.7Investopedia. Fair Credit Billing Act
Stop a Recurring Draft
If the charge keeps coming and you want it stopped, notify the billing company in writing that you are revoking authorization, and separately tell your bank to block future payments from that merchant. You have the right to revoke automatic payment authorization even if you set it up yourself.8Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account
One thing to keep in mind: stopping the payment does not cancel the underlying insurance policy. If there is a real policy behind the charge, you’d need to cancel it through your broker or carrier to avoid a coverage lapse and possible collection action for unpaid premium.
Report Suspected Fraud or Identity Theft
If you believe the charge is fraudulent, tell your card issuer right away and consider filing a report at ReportFraud.ftc.gov. The FTC does not resolve individual complaints, but reports feed into the Consumer Sentinel database used by more than 2,000 law enforcement agencies to spot patterns.9Federal Trade Commission. ReportFraud.ftc.gov If you suspect someone opened an insurance policy or other account in your name, treat it as identity theft: visit IdentityTheft.gov to build a recovery plan and consider placing a fraud alert with one of the three major credit bureaus.10Office of the Comptroller of the Currency. Identity Theft