要約
This is a legitimate charge from Wayfair.
What is the Wayfair charge?
A charge from 'WAYFAIR' is for furniture or home goods purchased online.
The transaction often appears on statements with a prefix, such as 'WF* WAYFAIR' followed by an order number.
Sister Brands and Store Cards
Wayfair owns several other brands, including Joss & Main, AllModern, Birch Lane, and Perigold. A purchase from any of these sites may bill under the Wayfair corporate name.
If you have a Wayfair Credit Card (issued by Bread Financial/Comenity Bank), this charge may be an automated monthly minimum payment or an annual fee.
- Step 1 Log into your Wayfair account and check your Order History. Also check your email inbox for order confirmations.
- Step 2 If the charge is totally unrecognized, contact your bank immediately to report the fraud. Your card number was likely stolen.
Why did a canceled Wayfair order still charge me?
When you place an order, the bank holds the funds as 'pending'. If you cancel the order, Wayfair voids the charge immediately, but it can take your bank 3 to 5 business days to release the funds back to your available balance.
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Wayfair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