I didn't apply for this card, why was money taken out of my checking account? How do I get my money back?
Sometimes, the legal name of a credit card issuer may be slightly different than the name by which they are widely known. So first, make sure the fee was not initiated by you. If you recently applied for a card of any kind, double check to confirm the fee deducted from your account is not for this card.
If you are certain you did not owe or initiate this fee, contact the credit card issuer immediately. Tell them about the fee in question and that you did not authorize the issuer to deduct from your checking account. You may need to provide information, such as checking account number, name, address, and/or even social security number, to verify your identity and to assist them in locating this fee. Once the issuer has confirmed you did not apply for the card, they should give you your money back.
If your identity has been stolen and used to apply for credit, make sure to closely monitor your credit for the next 12 months. As a consumer, you are entitled to one free credit report annually from each of the three major credit bureaus. You can also sign up for credit monitoring services that will alert you immediately any time your credit changes (i.e. credit card application or inquiries).
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