En résumé
This is a legitimate charge from Panera Bread.
What is the Panera Bread charge?
A charge from 'PANERA BREAD' is for a purchase at a Panera restaurant, through their app, or for a recurring subscription.
Charges may appear with a store number (e.g., 'PANERA BREAD #12345').
Sip Club Subscriptions and Security
Panera offers a popular 'Sip Club' subscription. If you signed up for a free trial and forgot to cancel, you will see a recurring monthly charge.
Note that Panera experienced a significant data breach in 2024. If you suspect your account was compromised, change your password immediately.
- Step 1 Log in to the Panera app or website to check if you have an active Sip Club subscription that needs to be cancelled.
- Step 2 If you believe the charge is completely unauthorized, contact your bank to dispute the transaction and request a new card.
Can a store manager fix an incorrect charge?
In some cases, if you were double-charged in person, a store manager can resolve the issue if you bring your receipt and statement.
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.
Répertoire indépendant non affilié à Panera Bread. Les libellés varient selon les banques.
Sources vérifiées
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov