Kurzantwort
This is a legitimate charge from Subway.
What is the Subway charge?
A charge labeled 'SUBWAY' typically refers to a food purchase at a Subway sandwich restaurant.
It may appear with a specific store number (e.g., 'SUBWAY 12345') or, if ordered delivery, as a merged name like 'GRUBHUBSUBWAY'.
Transit Confusion and App Errors
Do not confuse this with a transit fare. Public transit systems (like the NYC subway) usually bill as 'MTA' or 'OMNY', not 'SUBWAY'.
If you order through the Subway mobile app, connection errors can sometimes result in temporary 'ghost' charges that automatically reverse after a few days.
- Step 1 Check your Subway mobile app order history or email inbox for digital receipts.
- Step 2 If you did not visit a Subway, ask family members if they used a shared digital wallet (like Apple Pay). If not, contact your bank to report fraud.
Someone texted me about a Subway franchise fee. Is it real?
No. This is a known scam. Scammers use well-known brands to pitch fake business opportunities. Do not send them money.
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 Subway. 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