Kurzantwort
This is a legitimate charge from REI.
What is the REI charge?
A charge labeled 'REI' refers to a purchase made at Recreational Equipment, Inc., the popular outdoor gear and clothing retailer.
This could be an in-store purchase, an online order, or a charge related to an REI Co-op membership.
Split Shipments and Co-op Cards
If you placed an online order with multiple items, they may ship at different times. You might see multiple split charges that eventually total your initial order amount.
If you hold the REI Co-op Mastercard (issued by Capital One), you may see payments or fees related to that account.
- Step 1 Check your email for an REI order confirmation. Remember that a 'pending' authorization hold will process fully once the item ships.
- Step 2 If the charge is totally unfamiliar, call REI customer service at 1-800-426-4840 to verify if your membership was used by someone else.
Could 'REI' stand for something else?
While rare, 'REI' is sometimes used by real estate or property management software (like 'REI Hub'), which is unrelated to the retail store.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
Unabhängige Referenz — keine Verbindung zu REI. Buchungstexte variieren je nach Bank.
Verifizierte Quellen
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov