UnknownCharges

Libellé bancaire décodé

SPK*SPOKEO SEARCH

Known for surprise charges

By · Dernière mise à jour

07/11 SPK*SPOKEO SEARCH $24.95

En résumé

SPK*SPOKEO is a subscription to Spokeo, the people-search site. The infamous pattern: a trial bought for one lookup (often under a dollar) converts to a monthly subscription of about $25 that keeps billing until cancelled.

Vérifié le high confiance 2 sources vérifiées Comment nous vérifions les débits

Pourquoi ce débit apparaît ainsi

Spokeo sells cheap trial searches — look up a phone number once, pay $0.95 — with a subscription attached in the fine print. The conversion catches nearly everyone; SPK*SPOKEO is one of the most-searched descriptors in the caution category.

Don’t recognize it? You might still

  • The trial was weeks ago and cost under a dollar — the $25 charge looks unrelated.
  • You searched one phone number and never returned to the site.
  • Renewals continue monthly until actively cancelled.

Que faire, étape par étape

  1. Cancel the subscription immediately Spokeo's account page or customer care cancels it; keep the confirmation email.
  2. Request a refund of unused months Spokeo customer care frequently refunds recent charges when asked directly — it's cheaper than disputes for them.
  3. Dispute if they resist Trial-to-subscription conversions are a well-known dispute category; banks handle them routinely.

Questions fréquentes

I paid $0.95 once. Why am I charged $24.95 monthly?

The $0.95 search included a trial subscription that converted to the monthly rate — it's in the checkout fine print. Cancel and ask for refunds; escalate to a dispute if refused.

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 Spokeo, Inc.. Les libellés varient selon les banques.

Sources vérifiées