Is FNBO fraud?

• Subscription Services: Users may find charges related to subscriptions they have signed up for, whether it's streaming services, software, or other recurring bills.
• Unauthorized Purchases: Some customers report unexpected charges that could stem from unauthorized transactions or hacks.
• Merchant Charges: Charges may come from merchants that customers forgot they signed up with, like trial memberships that converted into paid accounts.
• Service Fees: Account maintenance fees or service fees related to overdrafts or insufficient funds can also show up on customers’ statements.
• ATM Fees: Using out-of-network ATMs can result in charges from both the ATM owner and FNBO.
• Foreign Transaction Fees: Customers might encounter charges when making purchases in foreign currencies.
• Card Replacement Fees: If a card is lost or stolen, there may be fees associated with replacing it.
• Returned Payment Fees: Costs may arise from returned payments or bounced checks that customers weren’t aware of.
• Annual Fees: For certain credit cards, annual fees can be charged at the beginning of the cardholder year.
• Interest Charges: Credit card interest charges can accumulate if the balance is not paid in full each month.

If you see this charge and aren’t expecting it, you have various options.

First, try to contact the fnbo.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the fnbo.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with fnbo.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.