It happens sometimes that when you look at your credit card statement, you see a charge like “BR FACTORY.COM 2624” and it just doesn’t make any sense to you. Well, that’s just because it surely is a confusing thing, and you’re not the only one complaining about it. But most likely, it is a legit charge, and you don’t need to worry about it too much.
To begin with, a merchant descriptor is a short label that your bank adds to the transaction when you swipe your card or shop online. It typically consists of the store’s name, maybe the city or location, and sometimes a code to remind you where your money was spent. And that’s the thing that causes all the confusion.
Cracking the Code On BR FACTORY.COM 2624
You may be curious to know what BR FACTORY.COM 2624 really is. Generally, BR FACTORY.COM is an abbreviation of Banana Republic Factory, the outlet side of the Banana Republic clothing brand. This number, 2624, is just a code that identifies the store or the distribution centre where your order was processed. It is quite possible that you are going to find a minor charge about $40 for a single item or a more significant amount, such as $100 or even more, if you were shopping extensively. Your bank statement may indicate the transaction in different ways, for example: POS PURCHASE BR FACTORY.COM, CHKCARDBR FACTORY.COM, or PRE-AUTH BR FACTORY.COM. All in all, the method of the transaction in your bank determines which one of these appears.
Why People Get So Confused
Many people do not immediately connect a BR FACTORY.COM 2624 charge with a Banana Republic Factory shopping trip when they see it on their bank statement. Does that sound like your situation? In most cases, they rummage through their emails, and there is always an order confirmation waiting to be found in their inbox. Or they check their Banana Republic Factory account and see a similar order there. Occasionally, it is discovered that a family member bought the item or perhaps a gift card was used during the payment process. Rarely is it that it is a totally unfamiliar or a stolen money case.
How to Check and Sort Out This Charge
The very first thing that you need to do is to check your inbox for an order confirmation email from brfactory.com. Make sure that the date and amount match what is on your bank statement. Then, go to the Banana Republic Factory website, log in, and have a look at your recent orders. The idea is to check if the total number corresponds to the one you got from your statement.
If you are still not sure, then you should contact Banana Republic Factory’s customer service. Using their phone number or live chat, provide them with the details of the sale and let them check. Suppose the charge continues to seem incorrect or fraudulent. What then? In that case, you should immediately reach out to your bank or card issuer to initiate a dispute. Just remember, you generally have around 60 days from the date of the transaction to do this.
