En résumé
This is a legitimate charge from Payment Posted.
What is a PMNT POST charge?
'PMNT POST' is a generic banking abbreviation that stands for 'Payment Post' or 'Incoming Payment Post-processing'.
Banks and financial software (like SAP) use this code to indicate that a payment transaction has been officially processed and posted to your account ledger.
Context and Scams
Because it is a generic term, its meaning depends entirely on whether it is a debit (money out) or credit (money in) and what other activity is on your account.
Scammers sometimes use official-sounding language. A notable phishing scam involves 'India Post' claiming a parcel delivery failed and asking for a fee. If you clicked a fake delivery link, this charge may be fraudulent.
- Step 1 Review your recent account activity to see if you recently made a payment, paid a bill, or received a refund that corresponds to the exact amount.
- Step 2 If you do not recognize the transaction context, contact your bank immediately using the number on the back of your card to investigate.
Will my bank call me about a PMNT POST?
Banks generally will not call or text asking for your PIN or OTP regarding a transaction. If someone calls asking for this info, hang up and call the bank directly.
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 Payment Posted. 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