要約
This is a legitimate charge from Stop Payment Fee.
What is a Stop Payment Fee?
A 'Stop Payment Fee' is a penalty charged by your bank when you ask them to block or cancel a specific payment—like a personal check or an ACH debit—before it clears.
Banks typically charge between $15 and $35 per request for this service.
When It Applies
You usually trigger this fee by calling your bank to report a lost or stolen check, or to block an uncooperative gym or subscription service from withdrawing funds.
Be aware: placing a stop payment with your bank does NOT legally cancel your underlying contract or debt with the merchant.
- Step 1 Review your recent interactions with your bank. Did you call them to block a transaction or report a lost checkbook?
- Step 2 If you did not request any payments to be stopped, call your bank's customer service to ask why the fee was applied to your account.
Can the bank reverse a payment that already went through?
No. A stop payment order only works if the transaction has not yet been fully processed. Once cleared, you must file a dispute instead.
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Stop Payment Fee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