要約
This is a legitimate charge from Gap.
What is the GAP charge?
A charge labeled 'GAP' on your bank statement is most commonly associated with Guaranteed Asset Protection (GAP) insurance, not the retail clothing store.
GAP insurance covers the 'gap' between what your auto insurance pays if your car is totaled and the actual balance you owe on your loan.
Loan Add-ons and Premiums
If you recently purchased a vehicle, GAP coverage may have been included as part of your auto loan agreement as a one-time fee or recurring premium.
If you purchased GAP insurance separately, you might see a recurring charge for the policy premium.
- Step 1 Review the paperwork from your car purchase or loan agreement to see if you opted into GAP protection.
- Step 2 If you do not recognize the charge and have no auto loan, contact your bank immediately to investigate for fraud.
Could this be the Gap clothing store?
It is highly unlikely. Retail charges typically show the store's specific location or corporate branding (e.g., GAP ONLINE or GAP STORE #123).
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Gap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