Charge 441-855-2231: what does this reference correspond to?

Looking for information on the reference 441-855-2231 because it appears on your bank statement? Here are the 3 questions we will answer here:

1. Why am I seeing a direct debit showing 441-855-2231? What is that ?
2. How to definitively stop the withdrawals? Can I get a refund?
3. Is the transaction identified under 441-855-2231 legal? Or is it a scam?

Let's go…

1/3 How do I explain the card withdrawals under the 441-855-2231 indication on my account?

Direct debits showing the number 441-855-2231 appear on your bank account because you have subscribed to an online service (perhaps without realizing it). Site of contests, cashback / reductions, adult content, clairvoyance, meetings, films / series, video games, clairvoyance ... there are thousands of sites that offer offers on the subscription model).

By subscribing, you have given the authorization to the company behind the reference 441-855-2231 to debit you a sum each month via your credit card imprint.

But I have no memory of subscribing to anything! I would never have agreed to pay such a sum every month! We believe you. Many Internet users encounter the same problem and subscribe to services without being aware of it! Why how ? It may happen that you enter your card details for a small online purchase (trial offer, postage of a gift, proof of majority ...) without reading the Site Conditions (GTC) but by checking them anyway. . These Conditions precisely indicate that your purchase commits you to a subscription, unless you refuse it. Result: you have subscribed to their service and you will be debited under the reference 441-855-2231 each month until you end the subscription.

Don't worry, you are not alone in this situation: we will explain how to cancel the subscription and stop direct debits 441-855-2231 !

2/3 How to cancel the direct debits numbered 441-855-2231? Is a refund possible?

To end direct debits numbered 441-855-2231, you must unsubscribe. Fortunately, you can do the legwork for free online. The details of the termination are specified on their platform.

If you can't do it alone (because you cannot go back to the origin of the subscription, because you do not have the time or the inclination to cancel yourself ... or for any other reason), it is possible to be accompanied by a termination assistance provider. Our recommendation: I stop the costs!

This company helps you to 1. identify the origin and cause of the samples, 2. stop them definitively.

Bonus: I stop the costs! can even help you to be reimbursed for amounts withdrawn WHEN possible (note: reimbursements are unfortunately not automatic, because they are on a case-by-case basis. the reference 441-855-2231, their services are guaranteed 100% effective or reimbursed.

3/3 Legal or scam: what about the company behind the reference 441-855-2231?

And on the Justice side? What do we think of it? : in March 2018, the CDC (Cour de Cassation) refused a cardholder (an individual) to blame his bank following an online scam. Why ? The CDC accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This court decision explains why your banker could refuse to renew your card / offer you a refund of the sums withdrawn if you are responsible for the debits recorded on your account.

If you have not lost your card (and therefore if it is still in your possession), it is very unlikely that it is a card hack / theft as explained above: have the card blocked would therefore amount to not honoring the contract that binds you to the company behind 441-855-2231. We therefore do not recommend renewing your card, but carrying out the online procedures to cancel the current subscription..

How to avoid surprise withdrawals / hidden subscriptions on my account? In general, the 2 main rules are: 1. Consult the legal notices of the sites on which you wish to make purchases (you will find them most of the time at the bottom of the websites that you consult) and 2. beware of "too good" plans ”. We develop more tips this way.