A charge labeled “tvcmatrix” or “tvcmatrix.com” on your credit card statement is a recurring monthly membership fee for Motor Club of America, a roadside-assistance and benefits program. The charge is billed by TVC Marketing, an Oklahoma City company that runs the TVC Matrix portal and administers MCA memberships through a network of independent sales associates.1TVC Matrix. Member Login
Motor Club of America Enterprises, Inc. administers the actual benefits, while tvcmatrix.com is the online portal where members manage their accounts and view transaction history.2TVC Matrix. Pro Plus Plan Summary1TVC Matrix. Member Login
Why the Charge Keeps Coming Back
MCA memberships are sold on an automatic monthly draft. New members pay two months upfront at signup, and dues are then pulled from the same card or bank account every month until the membership is cancelled.3TVC Matrix. MCA Total Security Summary
The amount on your statement depends on which plan is active. The consumer “Total Security” plan is $19.95 per month, with an initial charge of $39.90 covering the first and last month.3TVC Matrix. MCA Total Security Summary The commercial “TVC Pro-Driver” line, aimed at truck drivers, runs at three tiers:4TVC Matrix. TVC Pro-Driver Flip Chart
- Pro Plan: $49.95 per month
- Pro Plus Plan: $59.95 per month
- VIP Pro Plan: $99.95 per month
How To Cancel the Membership
If you recognize the account and want it closed, call MCA member services at 1-800-227-6459, the number listed on the plan documents.3TVC Matrix. MCA Total Security Summary You can also log in at tvcmatrix.com to review your account and past transactions.1TVC Matrix. Member Login
Ask for written confirmation that the membership has been cancelled. Keep it. If the charge appears again after cancellation, that record is what your bank will want to see.
How To Dispute an Unauthorized Charge
If you never signed up, or the company will not cancel the account, dispute the charge with your card issuer or bank. The rules and timelines depend on the type of card.
Credit Cards
Under the Fair Credit Billing Act, send a written dispute to your issuer’s billing-inquiry address within 60 days of the statement date. The issuer must acknowledge the complaint within 30 days and resolve it within 90 days, and it cannot report you as delinquent on the disputed amount while it investigates.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit Cards
Debit card protections work on a sliding scale tied to how fast you report. According to the FDIC, reporting unauthorized charges within two business days caps your liability at $50. Reporting after two days but within 60 days of the statement can expose you to up to $500. Wait longer than 60 days and you could be on the hook for the full amount of the transactions that occurred during the delay.6FDIC. What Should I Do if I Have Unauthorized Charges on My Debit Card Call your bank as soon as you spot the charge.
If the Issuer Won’t Resolve It
You can file a complaint with the Consumer Financial Protection Bureau if your bank or card issuer doesn’t fix the problem. Suspected fraud or identity theft can be reported at IdentityTheft.gov or ReportFraud.ftc.gov.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Why You May Not Recognize the Signup
TVC Matrix runs on a recruitment-driven sales model. Independent associates earn commissions for signing up new MCA members, and buying a membership is a prerequisite for participating in the compensation plan. Commissions are paid in advance, so if the recruited member cancels within the first year, the commission is clawed back from the associate who signed them up.7BehindMLM. TVC Matrix Review
Because associates have a financial incentive to enroll people they know, memberships are sometimes opened by a friend, spouse, or acquaintance. That’s a common reason the “tvcmatrix” descriptor looks unfamiliar when it hits a statement. If nobody in your household signed up and you can’t identify the account, treat it as unauthorized and start the dispute process with your bank.