What is the LLC ANNUAL charge on my credit card?

What this charge usually means

The descriptor LLC ANNUAL is most commonly tied to business-compliance services related to limited liability companies, such as annual report filing, registered-agent renewals, or compliance subscriptions. A frequent source is LegalZoom, which offers annual-report and ongoing business-compliance products that can renew automatically depending on what was purchased. Because card statements often shorten billing descriptors, the entry may appear as only LLC ANNUAL instead of the full brand or product name.

If you formed an LLC, bought registered-agent service, or enrolled in a compliance plan in the past year, this is likely a renewal or annual service fee rather than a one-time purchase. In many cases, state filing fees are billed separately from the service provider fee, so the amount can vary year to year.

Why it appeared on your statement

• You enrolled in an annual LLC compliance or filing service.
• Your registered-agent service renewed automatically.
• You previously purchased a business-formation package with recurring add-ons.
• A business partner or team member used a company card for entity maintenance.
• The merchant descriptor was shortened by the card network, making it look unfamiliar.

How to verify whether the charge is legitimate

First, check your business email for renewal notices, receipts, or invoices around the charge date. Then compare the amount and date against your merchant account billing history. If you have a LegalZoom account, review the payment history and active subscriptions before taking action. You can also contact support directly and ask them to locate the transaction using the last four digits of your card, the billing ZIP code, and charge date.

It also helps to review nearby statement entries in case related charges posted separately. If you often see unfamiliar descriptors, compare with examples such as Patreon and Cash App to understand how merchant names may differ from statement text.

How to cancel future LLC ANNUAL charges

Log in to the provider account used when the LLC service was purchased and turn off auto-renew for the relevant plan. For LegalZoom-linked charges, use the Contact Us page or phone support to confirm cancellation while you are on the call. Ask for a written confirmation email that includes the effective cancellation date and whether any pending annual filing has already been submitted.

If the filing has already been prepared or sent to a government agency, refund eligibility may be limited. If it has not been submitted, you may still qualify for a refund under the provider’s guarantee terms. Keep the confirmation number and representative name for records.

How to dispute if you did not authorize it

If you cannot match the charge to any account or service, contact the merchant first and request reversal. If they cannot validate authorization, file a card dispute with your bank promptly. Choose a reason that fits your situation, such as unauthorized transaction or canceled recurring charge still billed. Provide:

• Charge date, amount, and descriptor text exactly as posted.
• Proof you contacted the merchant.
• Any cancellation screenshots or emails.
• A statement confirming you did not authorize the renewal.

Act quickly because dispute windows are time-limited by issuer rules. While the claim is reviewed, ask your bank to block future recurring transactions from the same merchant ID to prevent repeat billing.