Is HPS Merchant Services fraud?

• Subscriptions: Users might be charged for recurring subscriptions to services they signed up for without realizing it.
• Merchant Payments: Charges could stem from purchases made at businesses that use Heartland as their payment processor, leading to confusion if the company name appears differently.
• Trial Periods: Some users reported being charged after a trial period ended without prior notice, prompting confusion over the fees.
• App Charges: Charges may come from mobile apps or services that are billed through Heartland, especially if users forget about their transactions.
• Incorrect Billing: Instances of double charging or billing for services that weren’t rendered can also lead to unexpected charges.
• Pending Transactions: Temporary holds or authorizations for a service may appear as charges, leading to misinterpretation during account overviews.
• Family or Shared Accounts: Charges might result from family members or roommates using a shared payment method for purchases.
• Merchant Errors: Occasionally, merchants might accidentally charge customers for transactions that were not completed.

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

First, try to contact the heartland.us 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 heartland.us 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 heartland.us, 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information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time.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.