En résumé
This is a legitimate charge from Returned Item Fee.
What is a Return Item Fee?
A 'Return Item Fee' (often synonymous with a Non-Sufficient Funds or NSF fee) is charged when a transaction fails because your account balance was too low to cover it.
You attempted to pay a bill, write a check, or make an ACH payment, and the bank declined it, charging you a penalty for the 'returned' item.
Bounced Checks
You can also be charged this fee if you *deposit* a check from someone else, and that check bounces (e.g., the issuer had insufficient funds).
The bank will reverse the deposit credit and charge you the fee for processing the bad check.
- Step 1 Look at your statement for a transaction on or near the same date that was reversed, declined, or returned to identify the trigger.
- Step 2 If this is your first time receiving this fee (which usually ranges from $10 to $50), call your bank and politely ask for a courtesy waiver.
Is a Return Item Fee the same as a chargeback?
No. Despite sounding similar, this fee is about insufficient funds, not disputing a credit card transaction for fraud.
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 Returned Item Fee. 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