AXS: unauthorized charge
Report an AXS charge you did not make to the card issuer at once, and tell the AXS helpline.
What does this mean?
Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 12 sources are the organization's own pages or government sites; 1 value(s) were read from a search snippet or an archive copy.
Collect
- card statement
- any AXS order emails
Steps
Report the charge to the card issuer at once (rules tila-unauthorized-card-liability and fcba-billing-error).
Call the AXS helpline about the charge.
If someone used your identity, report it to the FTC.
More contacts for this issue
Facts you can cite
- Policy
The Purchase Agreement refers to the AXS Terms of Use, "which include a mandatory arbitration provision" and a class action waiver provision.
Source: axs.com, verified 2026-10-13
Rules in force
- Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements15 U.S.C. 8401-8405
A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.
Source: law.cornell.edu, verified 2026-10-12
4 citable points
- Policy
Before obtaining the consumer's billing information, the seller must provide text that "clearly and conspicuously discloses all material terms of the transaction".
Source: law.cornell.edu, verified 2026-10-12
- Policy
The seller must obtain "a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account".
Source: law.cornell.edu, verified 2026-10-12
- Policy
A post-transaction third-party seller may not charge a consumer for an online sale unless it discloses the material terms and gets express informed consent, including the consumer's full account number, before charging. An initial merchant may not pass a customer's account number or other billing information to such a seller.
Source: law.cornell.edu, verified 2026-10-12
- Process
A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.
Source: law.cornell.edu, verified 2026-10-12
- Policy
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
Written complaint
Card or bank dispute
Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)
Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)
Card dispute for a cancelled event that was not refunded (rule fcba-billing-error).
Federal regulator
State agency
Your state’s attorney general. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).
Watch out
- support.axs.com and the current Purchase Agreement page (axs.com/legal/purchase_agreement.html) refused automated access (HTTP 403) on 2026-10-13; a person may need to open them in a browser.
- Refunds depend on the Client (venue or promoter); AXS follows the Client's instructions.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
AXS charged me [amount] on [date] and I did not authorize it. Use Escalate Anything to get it reversed.Source code, other install options and the Claude Code plugin