As we depend more and more on credit to pay our daily expenses, credit card bills are becoming a staple in our lives. Credit card bills are a great way to keep track of all your minor and major expenses throughout a month, so, there is a chance you might find an unfamiliar transaction, but, before you jump to any conclusion, know there can be other reasons why you are seeing the charge.
My colleague went through the same situation recently, she was going through her credit card statement and noticed a TMW Florida LLC charge on it. When she went through her transaction history, she found no such purchase. She immediately called her bank and started the dispute process.
If you are going through a similar issue, then read this article as I explain what TMW Florida LLC Charge on a credit card means, why you are seeing it, and what you have to do if the transaction is unauthorized.
What is TMW Florida LLC?
TMW also known as Talk More Wireless is a Florida, USA-based Metro by T-Mobile Retailer. The company has been a Metro by T-Mobile retailer since 2002. It has been stored in many American states like New York, South Carolina, Virginia, Tennessee, New Jersey, Georgia, Louisiana, North Carolina, and Pennsylvania.
Metro by T-Mobile is a prepaid virtual wireless service provider owned by T-Mobile US. It offers unlimited calling, texting, and high-speed data, and uses T-Mobile’s 5G network for nationwide coverage. Metro by T-Mobile also offers a variety of smartphones as well.
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Why Do I See This Charge on My Credit Card Statement?
TMW Florida is a retailer of Metro by T-mobile, so if you have recently purchased Metro by T-mobile services from them, and paid using your credit card, you will see a subsequent charge on your credit card.
If you have bought wireless services or a smartphone from them, you shouldn’t have trouble identifying the charge. You can also ask authorized users whether they used your card to finance the transaction.
What to do if the Charge is Unauthorized?
If you recognize the transaction but find that you have been charged extra or twice for a purchase, you should first contact the retailer before going to your bank.
Once you explain the issue to them, and provide them details like your name, the date of transaction, your credit card information, and the amount charged by them, more times than not the merchant will do their best to fix the issue for you.
On the other hand, if you don’t recognize the charge at all, or find the charge fraudulent, you should contact your bank as soon as possible to request a chargeback and begin the dispute process.
You can contact your bank online, or call the customer care number displayed at the back of your credit card.
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In the meantime, you should freeze your credit card so no fraudulent transactions can be carried out without your permission. If the dispute process takes time to settle, you can also request your bank to issue a new card in your name.
Conclusion
That brings us to the end of this article. I hope this article helped you learn what the TMW Florida LLC charge means on your credit card statement.
While it is unlikely you’ll see a foreign charge on your bill, a forgotten hasty, or old purchase might leave you thinking your credit card is hacked. You must do some personal research before you take any corrective measures. For instance, go through your purchase history, look for the merchant online, and ask unauthorized users whether they have used your card.
Nyra handles business research, writing financial documents, news items, articles, and study materials about finances.