What this variant means
This registry groups this wording with SPK*SPOKEO SEARCH; check the identity evidence before treating it as the same merchant.
SPK*SPOKEO SEARCH is one of the descriptors Spokeo, the people-search site, says may appear on a bank or credit card statement, depending on the type of subscription bought. Spokeo's payment policy says membership plans renew automatically and that an uncancelled trial converts to an ongoing subscription. Start by searching your email for a Spokeo receipt or trial confirmation and checking the Manage Your Account section of any Spokeo account you or a household member opened.
What Spokeo says will appear on your statement
Spokeo's consumer FAQ lists four descriptors that may show up on a bank or credit card statement based on the subscription type chosen at purchase: SPK*SPOKEO, SPK*SPOKEO SEARCH, SPK*INFOARMOR and SPK*SPOKEO ENTPRS. A line reading SPK*SPOKEO SEARCH therefore points to a Spokeo purchase rather than an unrelated merchant. The FAQ describes Spokeo as a people search service that lets users search by name, phone number, address, email or username.
The amount shown in the example on this page is only an illustration. Spokeo's pages reviewed here do not publish a fixed monthly price, so compare the charge with the plan terms in your own receipt or sign-up email.
Sources for this section: Spokeo consumer FAQ. See the claim limits below.
Why a charge can appear after a single search
Spokeo's payment policy says trial terms are disclosed before purchase and that a trial left uncancelled after it expires converts to an ongoing subscription under that offer's terms. To avoid conversion, Spokeo says a cancellation must be received before 11:59 PM PT on the last day of the trial.
The same policy says membership plans are prepaid for the stated period (monthly, quarterly, semi-annually or annually) and that, unless the plan details say otherwise, Spokeo renews the plan for the same period and charges the card or PayPal account at the start of each period. A renewal months after a one-time lookup is consistent with that policy, but only your receipt shows which plan was chosen.
Sources for this section: Spokeo Payment Policy (last updated December 15, 2020). See the claim limits below.
How to cancel and ask about a refund
Spokeo's FAQ says you can cancel from your Account page: go to the Manage Your Account section and click the cancel button. If there is no cancel button, use the contact form link in that section, choose "I would like to terminate my membership" and select "Terminate now." Spokeo says the membership will then not auto-renew and a confirmation email is sent to the address on file. If you paid through PayPal, the FAQ describes cancelling the automatic billing from PayPal's preapproved payments settings.
On refunds, Spokeo's payment policy, last updated December 15, 2020, says membership plans are non-refundable and that processed payments are not refunded or prorated for partial months, with access continuing to the end of the paid period. Its consumer FAQ separately encourages unsatisfied customers to contact Customer Care to request a refund.
For questions about membership charges, Spokeo's FAQ points to the Contact page. The payment policy lists Customer Care at 1-888-271-9562 for cancelling a trial and says the department is available 7 days a week, excluding Spokeo-observed holidays.
Does cancelling refund the charge I already paid?
Not automatically. Spokeo's payment policy says processed payments are not refunded or prorated, though its FAQ invites unhappy customers to ask Customer Care for a refund.
Sources for this section: Spokeo consumer FAQ · Spokeo Payment Policy (last updated December 15, 2020). See the claim limits below.
If nobody in your household used Spokeo
If you cannot find a Spokeo receipt and no one with access to the card opened an account, contact your bank or card provider promptly. The CFPB advises reporting a suspected unauthorized charge immediately, watching for unfamiliar merchant names even when amounts are small, and following the reporting instructions on your statement or error resolution notice.
Sources for this section: CFPB: watch accounts closely and report suspicious card charges. See the claim limits below.
Frequently asked questions
Is SPK* the same as SPK*SPOKEO SEARCH?
This registry lists SPK* as a variant of SPK*SPOKEO SEARCH. Compare the exact descriptor with the source notes and your receipt; a variant match does not establish authorization.
The original descriptor
This line is a variant of SPK*SPOKEO SEARCH in this registry. Read the evidence limits in the full entry and confirm the relationship with your issuer.
Independent reference — not affiliated with Spokeo, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
Descriptor identity documented · Checked 2026-11-01
Read Spokeo's consumer FAQ and payment policy plus the CFPB card-reporting page; Spokeo's help center (help.spokeo.com) returned a bot check and was not used. Identity is documented by Spokeo's own descriptor list. Removed the homepage-only source, boilerplate fraudRisk, invented 48 to 72 hour refundWindow, generic cancelSteps (rewritten from the FAQ), the unsourced $0.95 trial and $25 monthly price claims, the 'refunds frequently granted' and 'banks handle routinely' assertions, and the empty dispute section. Set viaPhone false; the Customer Care number appears only in the 2020 policy and is cited in body text.
- Spokeo lists SPK*SPOKEO SEARCH among the descriptors that may appear on bank or card statements for its subscriptions.
Identifies the merchant only; the plan, price and account holder require the reader's own receipt or account.
Sources: Spokeo consumer FAQ (checked 2026-11-01) - Trials convert to ongoing subscriptions if not cancelled before 11:59 PM PT on the last trial day; plans auto-renew for the same period.
Policy last updated December 15, 2020; the specific trial terms shown at sign-up control. No price is documented.
Sources: Spokeo Payment Policy (last updated December 15, 2020) (checked 2026-11-01) - Cancel via Manage Your Account or the contact form's terminate option; PayPal users cancel the preapproved payment.
On-screen labels differ between the FAQ and the older policy ("Usage & Subscriptions"); cancellation does not refund past payments.
Sources: Spokeo consumer FAQ (checked 2026-11-01) · Spokeo Payment Policy (last updated December 15, 2020) (checked 2026-11-01) - Policy says plans are non-refundable and not prorated; FAQ invites refund requests to Customer Care.
No refund window or outcome is promised.
Sources: Spokeo consumer FAQ (checked 2026-11-01) · Spokeo Payment Policy (last updated December 15, 2020) (checked 2026-11-01) - Spokeo's FAQ directs charge questions to its Contact page; the payment policy lists Customer Care at 1-888-271-9562, 7 days a week.
The phone number appears only in the payment policy last updated December 15, 2020; hours and availability may have changed.
Sources: Spokeo consumer FAQ (checked 2026-11-01) · Spokeo Payment Policy (last updated December 15, 2020) (checked 2026-11-01) - CFPB advises prompt bank contact about suspected unauthorized charges and checking unfamiliar merchant names.
No liability or dispute outcome is inferred.
Sources: CFPB: watch accounts closely and report suspicious card charges (checked 2026-11-01)
- Spokeo consumer FAQ https://www.spokeo.com/faqs-consumer
Lists SPK*SPOKEO, SPK*SPOKEO SEARCH, SPK*INFOARMOR and SPK*SPOKEO ENTPRS as statement descriptors; describes cancellation from Manage Your Account, PayPal cancellation, the confirmation email and refund requests via Customer Care. Gives no prices or refund period. · Checked 2026-11-01
- Spokeo Payment Policy (last updated December 15, 2020) https://www.spokeo.com/payment-policy
Trial conversion and the 11:59 PM PT cancellation cutoff, automatic renewal of prepaid plans, non-refundable and non-prorated payments, and Customer Care at 1-888-271-9562 for trial cancellation. Older page; menu labels may have changed. · Checked 2026-11-01
- CFPB: watch accounts closely and report suspicious card charges https://www.consumerfinance.gov/consumer-tools/bank-accounts/watch-accounts-closely-when-card-data-is-hacked/
Contact the bank or card provider immediately about a suspected unauthorized charge and use the statement's reporting instructions; says nothing about Spokeo. · Checked 2026-11-01
Descriptor identity documented · high · About UnknownCharges