You open your credit card statement or app, scroll down, and there it is: “US Compliance Team” for $349. Your stomach drops. You do not remember signing up for anything like that.
Sound familiar? You are not alone. Thousands of people have spotted this exact charge and wondered if it is a scam, a mistake, or something they actually agreed to.
The good news? This article explains exactly what the US Compliance Team charge on credit card is, why it shows up, and the clear steps you can take right now to handle it.
Table of Contents
Why Does the US Compliance Team Charge Appear?
Most people see the US Compliance Team charge because they (or someone with access to their card) used the service at uscomplianceteam.com to file a BOI report.
The company advertises fast, expert help for businesses that must comply with the CTA deadline.
Here is how the billing works in plain English:
- Initial fee: $349 covers the full filing service plus 90 days of free access to their platform for updates.
- After the trial: It automatically switches to $349 per year unless you cancel before the trial ends.
- How it shows on statements: It appears as “US Compliance Team,” “USCOMPLIANCETEAM,” or a similar variation, often with the transaction date close to when the filing was completed.
Sometimes the charge is completely unexpected. BBB complaints show cases where card information may have been used without full consent, or people signed up during a stressful moment and forgot.
In other situations, it could be an honest mix-up with a similar-sounding service.
Bottom line: The US Compliance Team charge is tied to CTA/BOI filing help, but the recurring part often catches people off guard.
Is the Charge Legitimate or a Scam?
US Compliance Team is a real Miami-based company that provides a paid service for CTA filings. They are not a government agency, and filing directly with FinCEN is always free. Their service simply makes the process easier for busy owners.
That said, the Better Business Bureau has received multiple complaints about recurring charges that customers say were unauthorized.
Some people report difficulty reaching the company by phone, and others say charges continued even after they asked to cancel or replaced their card.
If you remember signing up for help with your LLC or corporation’s BOI report, the charge is likely legitimate. If you have no idea what it is, treat it as potentially unauthorized and act quickly.
Real-Life Example
Take a 43-year-old freelance graphic designer who runs a one-person LLC. In early 2025 he received an email reminder about the CTA filing deadline and clicked a link that led him to US Compliance Team’s site. He paid the $349, they filed everything, and he moved on.
Three months later, a new $349 charge hit his card. He had forgotten about the trial period. “I thought it was a one-time thing,” he told a friend.
He called his bank the same day, disputed the charge, and reached out to the company to cancel. Within a week the bank reversed the fee, and he set a calendar reminder to check his statements every month.
His story shows how easy it is to overlook subscription details when life gets busy.
How to Stop or Dispute a US Compliance Team Charge
You have strong rights as a credit card holder. Here are the exact steps you should follow today:
- Check your records – Search your email for “US Compliance Team,” “CTA,” or “BOI.” Look for any order confirmation.
- Contact the company first – Call +1 (877) 607-8771 or email support through their website. Ask for a full cancellation and refund if the charge was unauthorized.
- Dispute with your bank or card issuer – If the company does not help, call the number on the back of your card. Report it as unauthorized or a billing error. You usually have up to 60 days from the statement date.
- Monitor your account – Watch for any additional attempts. Replace the card if needed.
- File a complaint – Report the issue to the BBB and the Consumer Financial Protection Bureau (CFPB) if you feel the billing was deceptive.
Pro Tip: Set up free transaction alerts on every credit card and bank account. A quick text or email the moment a charge posts can save you hours of hassle later.
Comparison of CTA Filing Options
Here is a quick look at your choices so you can decide what makes sense for you:
| Option | Cost | Time Required | Best For | Free Filing Available? |
|---|---|---|---|---|
| File yourself at FinCEN.gov | $0 | 30–60 minutes | Simple businesses, DIY types | Yes |
| US Compliance Team | $349 initial + $349/year | Minutes (they handle it) | Owners who want expert review | No |
| Other paid services | $200–$500+ | Varies | Complex ownership structures | No |
| Free templates from SBA or legal aid | $0–$99 | A few hours | Budget-conscious owners | Yes |
Source: FinCEN guidelines and company pricing as of 2026.
Common Mistake: Ignoring the charge and hoping it goes away. Recurring billing can keep hitting your card every year, and banks are stricter about disputes after 60 days. Act within the first two weeks for the best outcome.
What to Do If You Already Paid
If you paid for the service and received the filing confirmation from FinCEN, you have the report you needed. You can still cancel future renewals.
Log into your account on their site, find the subscription settings, and turn off auto-renew. Keep a screenshot of the cancellation confirmation.
If the charge was truly unauthorized, your bank can often reverse it under the Fair Credit Billing Act. Most issuers side with customers when the merchant cannot prove consent.
FAQs: US Compliance Team Charge on Credit Card
Q. Why did US Compliance Team charge my card without my permission?
A. The most common reason is an overlooked subscription after the 90-day free trial. Some customers also report that their card information may have been used without clear consent during signup. Contact the company and your bank immediately to stop further charges.
Q. Can I get my money back from a US Compliance Team charge?
A. Yes in many cases. If you dispute within 60 days and the charge was unauthorized, your card issuer must investigate and usually refunds you. The company’s initial filing fee is non-refundable once submitted, but the annual renewal is often cancellable.
Q. Is the US Compliance Team charge related to a government requirement?
A. It relates to the Corporate Transparency Act, which requires many companies to file a BOI report with FinCEN. The government does not charge for the filing itself. US Compliance Team is a private service that charges for help completing the paperwork.
Conclusion
The US Compliance Team charge on credit card is usually tied to legitimate CTA filing help, but the automatic renewal catches many people by surprise.
You now know it is not a random scam in most cases, yet you also have clear rights and simple steps to stop any unwanted billing.
Take a moment right now to review your recent statements. Set those alerts. And remember you can always file your BOI report yourself at no cost if you ever need to.
A few quick actions today can give you peace of mind and protect your hard-earned money going forward. If another mystery charge pops up on your statement, come back and explore our other guides here at ExplainCharges.com.
Disclaimer: The content on ExplainCharges.com is for informational and educational purposes only and does not constitute financial, legal, or professional advice. We are not affiliated with any companies or services mentioned. The information provided may not apply to your specific situation. If you suspect unauthorized charges or fraud, contact your bank or credit card issuer immediately. Always verify details directly with the source and consult a qualified professional if needed.
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