Many people have been reporting what they believe to be unauthorized charges from “CHECKFREESCO* 855-506-9175 USA” but is this a legit credit card charge?

This is a number that is reportedly associated with Golden Scores LLC and the website checkfreescore.com. There also use “GFW*3GLDSCR.COM” for some of their charges.

While we have not evaluated their credit monitoring service there have been many complaints online about these charges. Based on the Better Business Bureau website it seems like while users were surprised by these charges they did — based on claims on that site — previously sign up for the associated service.

Concerned about a reocurring charge from “HUM COMPBEN E MER” on your credit card statement? While it’s not impossible for this to be a fraudulent charge, it’s very likely that this is actually a legitimate charge from Humana Insurance, usually Humana Dental Insurance.

Previously you might have seen this charge on your statement as “Humana Comprehensive Benefits”.

This charge might more, specifically appear as:

• CHKCARDHUM COMPBEN E MER GA
• POS Debit HUM COMPBEN E MER GA
• PRE-AUTH HUM COMPBEN E MER GA

Or similar variants, with some sort of prefix description and then the “COMPBEN E MER GA” phrase.

While “HUM COMPBEN” might seem super confusing to most people, it makes sense with some context. HUM is short for “Humana” which is a popular health insurance company and “COMPBEN” is short for “Compensation and Benefits” which are exactly what you pay your insurance company for.

This is an Amazon.com-related charge that you might find on your credit card statement. “AMZN.COM/BILL” is often believed to be a fraudulent charge because it uses a shortened version of “Amazon” but this is generally a legitimate charge descriptor.

You can check the legitimacy of this by going to “AMZN.COM/BILL” in your web browser and you will see that the page points to an Amazon.com page explaining common misconceptions about credit card charges that might seem to be fraud but are actually from Amazon.

This charge might appear on your credit card statement as “AMZN.COM/BILL, WA 981090000” or as “AMAZON.COM*AAAAAA123456 AMZN.COM/BILL WA”.

If you’ve found a confusing charge with “AMAZON SERVICES-KINDLE 866-321-8851” written on your statement, there is a good chance you might be confused, as it doesn’t appear to be a standard Amazon.com charge.

This was, for a time, a standard credit card statement descriptor used by Amazon.com for Kindle digital book purchases. The charges might look like:

AMAZON SERVICES-KINDLE 866-321-8851
Ref# 1234567MM00N6TT00

Where the reference number would change based on your specific purchase.

This charge has also appeared in our research as, “Amazon Services-Kindle 866-321-8851 WA”.

Note: This charge descriptor was popular for some time, mainly around 2012 to 2013 but doesn’t seem to be used as much, if ever, at this point. It’s largely been replaced with “Amazon Digital Svcs amzn.com/bill“.

While “AMZ*Prime Shipping Club amzn.com/bill” might seem like an unorthodox charge description, Amazon tells us that it is, in fact, a legitimate charge and a credit card description that the company does use.

If you see a charge on your credit card statement from “AMAZON MKTPLACE PMTS AMZN.COM/BILL WA” then it is likely because you have made a purchase from Amazon.com Marketplace program. The product you purchased was likely sold by a 3rd party seller on Amazon.com.

The charge labeled “ADOBE ACROPRO SUBS” on a credit card statement is generally associated with a subscription to Adobe Acrobat Pro, which is a legitimate service offered by Adobe Systems Incorporated. However, there have been instances where such charges were either unexpected or unauthorized. Here are some important points to consider:

1. Legitimate Adobe Subscription: This charge is often linked to a legitimate subscription for Adobe Acrobat Pro. If you have recently arranged any software subscriptions with Adobe, this could explain the charge on your statement​​​​.
2. Unexpected or Unauthorized Charges: There have been reports of unexpected or unauthorized charges under this description. In some cases, users reported being charged despite canceling an Acrobat subscription or not recalling any subscription to Adobe Acrobat Pro. This might include early termination fees or recurring charges that don’t align with the user’s understanding of their account status with Adobe​​​​​​​​​​.
3. Contacting Adobe for Clarification: If you find this charge on your statement and it seems unfamiliar, or you do not recall subscribing to Adobe Acrobat Pro, it is advisable to contact Adobe directly. They should be able to provide clarity on the nature of the transaction and help resolve any concerns. Adobe’s customer service can be reached at the phone number 800-833-6687​​​​.

Given these points, it’s important to review your recent software subscriptions and check if the charge corresponds to a service you’ve knowingly signed up for. If the charge remains unclear or seems unauthorized, reaching out to Adobe’s customer service for a detailed explanation and potential resolution is recommended.

The charge labeled “PRIME-VIDEO-888-802-3080-WA” on a credit card statement could be a legitimate charge from Amazon for services related to Prime Video.

Sometimes this charge will appear on your statement as “PRIME-VIDEO*AAAA1111 888-802-3080-WA” where the As and 1s will be a random string of letters and numbers, likely a transaction ID.

Possible Legitimacy: This charge could be related to an Amazon Prime membership or a Prime Video subscription. Sometimes, charges like these may not be immediately recognized if they are for a subscription service that renews automatically. Amazon advises customers who don’t recognize such a charge to check their transaction history for any corresponding purchase or subscription renewal related to Amazon Prime or Prime Video​​.

General Caution: It’s important to note that not all charges with this label are legitimate. If you see this charge on your statement and do not recall making any corresponding purchase or subscription on Amazon, it is essential to investigate further. The existence of this charge on a statement without any clear supporting commercial transaction has led to the conclusion that it is generally a fraudulent charge​​​​.

Given these possibilities, if you encounter this charge on your credit card statement and do not remember authorizing it or subscribing to relevant Amazon services, it is advisable to contact Amazon customer service for further clarification and to ensure the security of your account.

A more common Amazon Prime video on demand (as in a movie purchase or rental) credit card charge might appear on your bank account as “Amazon Digital Svcs amzn.com/bill”, at least in 2024 where PRIME-VIDEO-888-802-3080-WA was more popular in years past.