A YourPFI.us charge on your credit card can feel confusing if you don’t recall signing up for anything under that name. The descriptor is connected to PFI Verify, a personal finance service operated by Credique LLC.
You may have encountered the service while looking at credit, loan, insurance, or other financial products online. This guide explains the charge, common billing amounts, how to cancel, and what to do if you believe the payment was unauthorized.
Table of Contents
What Is YourPFI.us Charge on Credit Card?
A YourPFI.us charge on credit card activity generally represents a PFI Verify membership. PFI Verify describes itself as a personal finance management tool that lets members view financial accounts, track spending, review debt, and work on credit health.
The YourPFI.us website is primarily a billing assistance page for the service. It identifies Credique LLC as the company behind the account and directs PFI Verify customers there for cancellation and refund help.
Credique also operates other personal finance services. That can make the billing name unfamiliar if you remember interacting with a different credit or financial website.
What Is PFI Verify?
PFI Verify is marketed as a personal finance management service. Its features generally include tools for reviewing accounts, spending, debt, financial health, and credit-related information.
It is not your bank or credit card issuer. It is also different from the three major credit bureaus.
Your statement may show YourPFI.us rather than the PFI Verify name you saw during enrollment. That descriptor difference is one reason the transaction can be difficult to recognize.
How the Charge May Appear
Your issuer may shorten or change the merchant name.
Possible descriptors include:
- YOURPFI.US
- YOURPFIUS
- YOUR PFI
- PFI VERIFY
- PVER3.US
- PFIVFY
- A descriptor followed by a phone number
Credique’s BBB profile currently lists PFI Verify, Pver3.us, and Financeify as alternate names connected with the company.
| Statement clue | Possible explanation |
|---|---|
| YOURPFI.US | PFI Verify membership |
| PFI VERIFY | Personal finance subscription |
| PVER3.US | Descriptor associated with Credique |
| $1 charge | May be an introductory or verification payment |
| $29.95 to $39.95 | May be a monthly membership fee |
| Repeated monthly payment | Membership may still be active |
Your exact amount may vary based on the offer and enrollment terms you received.
Why Did You Get a YourPFI.us Charge?
You may have knowingly signed up for PFI Verify. However, consumer reports frequently describe encountering the service while applying for another financial product.
Examples may include:
- A personal loan application
- A credit-related website
- An insurance quote
- A financial assistance website
- A credit score offer
- A credit monitoring signup
- A financial management offer
Credique has stated in responses to BBB complaints that other companies may recommend its services and redirect consumers to a signup page.
Some consumers report entering card information for a $1 offer and later seeing a larger monthly payment. This does not prove that your charge followed the same path, but it is worth checking.
Pro Tip: Search your email for “PFI Verify,” “Credique,” “Financeify,” “PVER3,” and “YourPFI.” Also search for the exact transaction amount.
How Much Does PFI Verify Charge?
Current consumer records and published descriptions of PFI Verify’s membership terms show monthly amounts including $29.95, $34.95, and $39.95.
Some plans may begin with a short introductory period. A $1 transaction may also appear around enrollment.
The exact amount depends on the specific offer you accepted. Do not assume every YourPFI.us charge should be $39.95.
BBB complaints most frequently mention $39.95. Some consumers report the payment appearing monthly until the membership was canceled.
Is YourPFI.us Legitimate?
YourPFI.us is an active billing page that identifies Credique LLC and provides customer service information. Credique is also an identifiable Florida LLC with a BBB business profile.
However, consumer complaint signals are significant.
As of September 2026, BBB gives Credique LLC an F rating and says the company is not BBB accredited. BBB reports more than 900 complaints and says some complaints were unanswered.
BBB also states that it contacted the company in 2025 about complaints from consumers who said subscription information was not displayed conspicuously during signup. BBB said the requested changes had not been made as of its stated follow-up date.
Trustpilot does not provide a strong, clearly established profile for PFI Verify that adds useful evidence. That makes BBB and the company’s own information more useful for this particular descriptor.
Reddit and other consumer forums also contain reports of unexpected $39.95 charges. These accounts are individual experiences and do not prove that your transaction was unauthorized.
Common Mistakes: Do not automatically call the payment fraud because other consumers complained. First check whether you entered your card details during a loan, credit, or finance-related signup.
How to Cancel a YourPFI.us Membership
YourPFI.us provides several official cancellation methods.
The billing page currently says you can call 1-855-509-5992. Customer service hours are listed as Monday through Friday, 10:00 AM to 6:00 PM Eastern Time.
You can also request cancellation by emailing hello@pfiverify.com.
The site lists mail cancellation requests at:
Credique LLC
66 W Flagler Street, Suite 929
Miami, FL 33130
When canceling, clearly ask for the membership to be terminated and for future recurring charges to stop.
Request written confirmation. Keep that message until you have reviewed at least your next credit card statement.
Can You Get a Refund?
YourPFI.us says customers can contact its support team with refund requests. However, the site does not promise that every payment will be refunded.
BBB records show mixed outcomes. In several 2026 complaints, Credique reported canceling accounts and issuing refunds after consumers complained about charges they did not recognize.
Other reviewers report being denied refunds or having difficulty resolving billing issues.
If you request a refund, provide the transaction date and amount. Explain why you believe the payment should be reversed.
Do not send your complete credit card number through ordinary email.
What If You Already Canceled but Got Charged Again?
Check your cancellation date and confirmation first.
If the transaction happened after the company confirmed cancellation, contact support and provide your previous confirmation. Ask the representative to identify exactly why the new charge was submitted.
Keep screenshots and note when you called.
If the issue is not resolved, contact your card issuer. Explain that you canceled the membership but another transaction appeared.
What If You Never Signed Up?
Ask other authorized card users whether they recognize the service. Then search your email and browser history for recent financial applications.
Pay particular attention to situations where you entered card information while checking a loan or credit-related offer.
If you still cannot identify the enrollment, call PFI Verify and ask it to locate the account connected with the transaction.
If you believe you never authorized the membership, you can also contact your credit card issuer promptly. Ask for the complete merchant descriptor and discuss your dispute options.
How to Dispute the Charge With Your Credit Card Issuer
Call the number on the back of your card or use your issuer’s secure app.
Give your issuer:
- The exact YourPFI.us descriptor
- The charge amount
- The transaction date
- Any $1 transaction that appeared earlier
- Your cancellation confirmation
- Emails from PFI Verify
- Notes from customer service calls
Your issuer may investigate the charge and determine whether it qualifies for a billing dispute.
Credit card dispute deadlines can apply. Reporting a payment promptly is generally better than waiting for several monthly charges to accumulate.
How to Prevent Another YourPFI.us Charge
After cancellation, continue checking your card activity.
Turn on transaction alerts so you know when another payment attempt occurs. Review financial offers carefully before entering card details, especially when a low-cost trial is involved.
Read any recurring billing language near the payment form. Save screenshots or confirmation emails when signing up for trial services.
If your issuer determines that your card information was used without permission, ask whether replacing the card is appropriate.
FAQs: What Is YourPFI.us Charge on Credit Card
Q. What is YourPFI.us on your credit card?
A. YourPFI.us is a billing assistance site connected with PFI Verify, a personal finance management membership operated by Credique LLC.
Q. Why did YourPFI.us charge you $39.95?
A. A $39.95 transaction commonly matches one of the monthly membership amounts reported for PFI Verify. Check whether you previously accepted a trial or finance-related offer.
Q. How do you cancel a YourPFI.us charge?
A. YourPFI.us currently says you can cancel by calling 1-855-509-5992, emailing hello@pfiverify.com, or sending a written request to Credique LLC.
Q. What should you do if you never authorized YourPFI.us?
A. Check recent loan, credit, insurance, and financial applications first. If you still do not recognize the membership, contact PFI Verify and your credit card issuer promptly.
Conclusion
A YourPFI.us charge on credit card activity generally points to a PFI Verify personal finance membership operated by Credique LLC. Charges may include a small introductory transaction followed by a recurring monthly fee, commonly reported around $29.95 to $39.95.
Check your recent financial applications, email, and previous statements before deciding what happened. If you recognize the membership, cancel it through official PFI Verify support. If you never authorized it or billing continues after cancellation, contact your credit card issuer promptly.
Disclaimer: This article is for informational purposes only and is not financial or legal advice. Subscription terms, refunds, merchant descriptors, and credit card dispute rules may vary, so verify account-specific questions with PFI Verify or your card issuer.
Meet the Author
