A YesBackup charge on your credit card is a recurring subscription fee for an online file backup service that has been linked to deceptive sign-up funnels, and you can stop it by disputing the charge with your card issuer and revoking authorization with your bank. Many people who see the line item do not remember agreeing to it, which fits the way the service was promoted.
Why the Charge May Look Unfamiliar
YesBackup.com operated as a cloud file backup service. Reporting by MediaPost identified that traffic to it was driven through deceptive web properties: a site called Globaltechadvice.com was described as a “bogus news site” steering visitors toward YesBackup, and Goodcloudstorage.net functioned as a review site that gave YesBackup a glowing recommendation.1MediaPost. God Save the Queen and Proceed With Caution Consumers who followed that trail may have entered payment information for what looked like a free trial or a one-time purchase, and ended up in a monthly billing arrangement instead.
Dispute the Charge With Your Card Issuer
The Fair Credit Billing Act gives you the right to dispute billing errors on a credit card, including unauthorized charges and charges for goods or services not delivered as agreed. Send a written dispute to your card issuer at the address it designates for billing inquiries, and send it within 60 days of the first statement that showed the charge. The issuer must acknowledge your dispute within 30 days and resolve it within 90 days. You do not have to pay the disputed amount or related finance charges while the investigation is open. Federal law also caps your liability for unauthorized credit card charges at $50.2FTC. Using Credit Cards and Disputing Charges
If the charge hit a debit card instead of a credit card, your protections are narrower. The FTC notes that debit card users may not have the same refund rights for non-delivery or incorrect items, so contacting your bank right away matters more.3FTC. What To Do if You’re Billed for Things You Never Got or You Get Unordered Products
Stop Future Charges Through Your Bank
Disputing a past charge does not by itself prevent the next one. The Consumer Financial Protection Bureau advises telling your bank or credit union in writing that you have revoked authorization for the company to charge your account. If payments continue after you revoke, the bank should treat them as errors and help you get a refund. Your bank may also offer a stop-payment order, a formal instruction to block future transactions from a specific merchant. Banks often charge a fee for this.4Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account
Because YesBackup’s own website may no longer be fully operational, going through your bank and card issuer is usually the more reliable route than trying to cancel with the company.
Report the Charge
If you believe the charge was unauthorized or came from a deceptive sign-up, you can report it to the FTC at ReportFraud.ftc.gov.3FTC. What To Do if You’re Billed for Things You Never Got or You Get Unordered Products You can also file a complaint with the CFPB through its consumer complaint database.5Consumer Financial Protection Bureau. Consumer Complaint Database Neither agency resolves individual disputes, but the complaints they collect shape enforcement priorities and can support future action against deceptive billing practices.