Is Heartland Secured Payments fraud?

• Subscription Services: Users may have unknowingly signed up for a subscription service that charges regularly.
• Point of Sale Transactions: Charges may come from merchants who use Heartland for processing payments at their stores.
• Automatic Renewals: Services or memberships may auto-renew, leading to unexpected charges.
• Family or Shared Accounts: Charges might occur if someone in a shared account uses a service or subscription without informing others.
• Trial Periods: Users sometimes forget to cancel free trials before they convert to paid subscriptions.
• In-App Purchases: Mobile apps may use Heartland for transactions related to in-app purchases.
• Unauthorized Transactions: There may be cases of fraud or theft where charges appeared without the user's consent.
• Service Fees: Users might encounter service fees for transactions made using specific platforms that utilize Heartland's processing.

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information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time.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.