要約
This is a legitimate charge from Buffer.
What is the BUFFER charge?
A 'BUFFER' charge on your bank statement can mean several different things.
If you use the social media scheduling service Buffer (buffer.com), the charge is likely your monthly or annual subscription fee.
Bank Features and Finance Apps
Some banks use the term 'buffer' to describe features related to your balance, such as a 'Balance Buffer' which acts as a small, interest-free cushion if you overspend.
Additionally, if you use personal finance apps that automatically move small amounts of money to a savings account to build a 'buffer', the transaction might be labeled as 'BUFFER'.
- Step 1 Check the amount. If the amount is consistent (e.g., $10, $20), it is very likely a subscription service like the Buffer social media tool.
- Step 2 If the charge is unfamiliar and you do not use Buffer.com or financial apps, call your bank immediately.
Is a bank buffer an actual fee?
Usually, a bank 'Balance Buffer' is not a charge you pay, but rather a system status reflected on your statement. However, subscription apps will charge a real fee.
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.
本サイトはBufferとは提携していない独立したリファレンスです。
検証ソース
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov