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What Is the "USMonoix" Charge on My Credit Card?

Spotting a mysterious USMonoix charge on your credit card statement can be alarming. Unlike familiar retailer names, "USMonoix" isn't a company you'll recognize from past purchases. Recent consumer reports (including the BBB's Scam Tracker) indicate that this descriptor is often linked to unauthorized or fraudulent transactions. In other words, many people see this charge with no idea where it came from.

For example, one person found a $103.57 USMonoix entry on their statement and noted they had no contact with any company by that name. Another user discovered a $62 charge from USMonoix after returning from a trip, again with no explanation. These accounts suggest that USMonoix is not a legitimate merchant you enrolled with, but rather a scam identifier that fraudsters use.

This guide explains what the "USMonoix" descriptor likely means and suggests next steps. If you have other mysterious entries on your statement, be sure to try our credit card charge lookup tool to investigate them.

Reports of Unexpected "USMonoix" Charges

Many consumers have reported surprise USMonoix charges on their accounts. A common theme is being charged for products or fees they never ordered or authorized. Here are a few examples from public consumer reports:

  • A BBB ScamTracker report describes a cardholder in Pennsylvania who saw a pending $57.33 charge from USMonoix on June 21, 2025. They insisted they never made or authorized that transaction.
  • Another BBB report recounts a Florida consumer's experience. After suspecting a card skimmer at a Sunoco gas pump, they found that "USMonoix" tried to charge $222.36 on their account at 10:00 PM that evening. The user identified both USMonoix and another fake merchant (AST Careoast) as part of the theft attempt.
  • In a third BBB submission, a buyer who ordered eye cream from a site called Careoast later saw two surprise charges ($70.56 and $58.77) from USMonoix on their statement. They had never dealt with USMonoix directly and called the extra billing "errors" that they demanded be refunded.
  • Community review sites also share similar stories. On ScamPulse, one victim reported seeing a Facebook ad for Crocs, placing an order, and then getting an $88.99 charge from USMonoix with no shoes delivered. Another user said they placed an $89.98 order on a site linked to USMonoix and immediately received a bank fraud alert for $125.97 - a higher amount than they expected - prompting them to cancel the card.

Together, these reports make it clear that USMonoix charges are usually unexpected and unauthorized. They often arise in situations where the cardholder did not knowingly enroll in anything, suggesting that USMonoix is a fraudulent merchant name rather than a normal purchase.

Why "USMonoix" Appears on Your Statement

According to consumer data, "USMonoix" is not a retailer that people sign up for - it's an unknown merchant name that shows up when scammers charge cards without permission.

Typically, USMonoix charges appear along with a New York address or phone number (for instance, reports list NY as the location and phone number 518-508-3692). In reality, these entries are likely the work of criminals using that name to process stolen card data. Scam reports show people ordering items (like sunglasses or clothing via TikTok/Facebook ads) only to have the descriptor on their statement read "USMonoix" and see no actual delivery.

In short, USMonoix is not a subscription or service you knowingly signed up for. It appears to be a "drop-shop" name or alias that bad actors use to mask fraudulent charges. If you see it on your statement, it's a strong sign that someone charged your card without authorization.

Steps to Handle an Unknown Charge Like USMonoix

If you spot a USMonoix charge (or any unfamiliar merchant) on your credit or debit card statement, take these steps to protect yourself:

  1. Review your recent purchases. Go through your receipts and recent online orders around the date of the charge. Did you use your card at a gas station, online store, or through a social media ad? In some cases, victims only noticed the USMonoix billing after using their card at a pump or clicking a deal link. If you don't see any legitimate purchase matching that charge, consider it suspicious.
  2. Search the merchant descriptor. Copy exactly how "USMonoix" appears on your statement and search it online. Use our credit card charge lookup tool or a search engine. This often reveals other people's reports of the same descriptor. In this case, searching "USMonoix" brings up BBB ScamTracker and ScamPulse posts identifying it as a likely fraudulent charge. Knowing how others describe it can confirm it's not a legitimate vendor.
  3. Contact your bank or card issuer. If the charge is indeed unfamiliar or unauthorized, call your bank right away. Explain that you do not recognize the USMonoix charge. Your issuer can block further transactions and start a fraud investigation. They often handle these situations routinely and can initiate a chargeback or refund if they agree it's fraudulent.
  4. Monitor your account. Keep a close eye on new statements and transactions. If one fraudster had your card info, they may try again or sell it. Watch for repeat USMonoix entries or charges from other strange names. Promptly dispute any new unauthorized charges. Regularly using our charge lookup tool can help you quickly identify other odd descriptors that appear.
  5. Learn from trusted sources. Check consumer resources to see if others have reported the same issue. For example, the BBB ScamTracker highlights that USMonoix incidents are treated as identity theft. ScamPulse and forums also have multiple victim stories (ordering products via social media and never receiving anything, yet seeing USMonoix charges). If a merchant descriptor is repeatedly called out as a scam by the community, trust that information and work with your bank to reverse or block it.

Explore Other Unknown Charges

Don't let one confusing charge keep you in the dark about your finances. Our site's credit card charge lookup search page lets you investigate any unfamiliar transaction descriptor. Simply enter the exact text from your statement (for example, USMonoix or any odd-looking merchant code) to see if others have reported it. This merchant name lookup can quickly reveal a charge's origin or at least provide community clues. Many cryptic entries (like strings of letters or names you've never heard of) have been explained by people online. We encourage you to search any "unrecognized transaction code" or "vague credit card charge" on your statements -- the more you look up, the better you protect yourself.

Remember, knowledge is power. Whether it's USMonoix or any other puzzling entry, use available resources to find answers. Checking known scam trackers (BBB, ScamPulse, consumer forums) and using our lookup tool means you won't be left guessing about your charges. In short, treat "USMonoix" as suspicious (it's likely an unauthorized transaction), but don't stop there. Regularly review your statements, research any unclear charge with our credit card charge lookup tool, and stay informed about potential scams. We're here to help you decipher every charge on your statement.

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