Is Pen Air Credit Union fraud?

• Monthly Maintenance Fees: Some users report being charged regular fees for account maintenance, especially if they fall below a certain balance.
• Overdraft Fees: Customers may incur charges when their account is overdrawn due to purchases that exceed their available balance.
• ATM Fees: Using non-partner ATMs can result in charges, particularly if the ATM has a fee associated with withdrawals.
• Subscription Services: Users have noted that automated payments for subscriptions linked to their credit union accounts can lead to unexpected charges.
• Loan Payments: Missed or late payments on loans may incur additional fees or penalties.
• Foreign Transaction Fees: Customers traveling abroad might see charges related to foreign currency transactions when using their cards.
• Card Replacement Fees: Some have reported being charged for replacing lost or stolen debit/credit cards.
• Wire Transfer Fees: Sending or receiving money via wire transfers might also attract fees that users did not anticipate.
• Service Charges: Specific account-related services, like setting up a certain type of account or using additional features, might carry associated fees.
• Insufficient Funds Charges: If a transaction occurs on an account with inadequate funds, there can be charges for insufficient funds.

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

First, try to contact the penair.org 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 penair.org 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 penair.org, 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.