要約
This is a peer-to-peer transfer, cash out, or merchant payment made via Venmo.
What is the Venmo Transfer charge?
A 'VENMO TRANSFER' charge indicates money was moved between your bank account and your Venmo digital wallet.
Because Venmo is owned by PayPal, the charge sometimes appears as 'PAYPAL*VENMO' or 'VENMO*CASHOUT'.
Preloading and Verification
If you 'preloaded' your Venmo balance by pulling funds from your bank, or if you paid someone on Venmo without having enough balance in the app, Venmo will pull the difference directly from your linked checking account.
If you see two tiny charges (under $1), Venmo is performing micro-deposits to verify you own the newly linked bank account.
- Step 1 Open the Venmo app and go to the 'Me' tab to review your personal transaction feed. Ensure the bank charge matches a payment you sent.
- Step 2 If you do not have a Venmo account but see this charge, a scammer has linked your bank account to their Venmo. Contact your bank immediately.
Why did a Venmo charge take 3 days to appear?
Standard Venmo transfers rely on the ACH network, which only processes on business days. Weekend transactions will not hit your bank until Tuesday or Wednesday.
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.
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検証ソース
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov