The Timber and Oaks charge is a purchase or cash advance from Timber and Oaks Financial Services

When you see "Timber and Oaks" on your credit card statement, it means you or an authorized user made a transaction with that merchant. Timber and Oaks Financial Services is a lending and financial services company, so the charge could be a loan payment, a cash advance fee, or a purchase related to their services. The charge will appear on your statement with a date, amount, and sometimes a reference or confirmation number.

If you do not recognize the charge, it may have been made by someone else with access to your card, or the merchant name may appear differently than you expected. The first step is to check whether you authorized the transaction and whether the amount matches what you expected to pay.

Key Takeaways

  • Timber and Oaks Financial Services charges appear on your statement when you use their services, such as taking out a loan or paying a fee.
  • If you do not recognize the charge, contact your credit card issuer within 60 days to report it as unauthorized or incorrect.
  • Charges from financial services companies sometimes appear under a parent company or processing name rather than the name you recognize.
  • Disputing a charge does not remove it when ready, but your card issuer will investigate and may issue a temporary credit while they review.

How to find the charge on your statement

Log into your credit card account online or through your card issuer's mobile app. Look for the transaction in your recent activity or statement history. Search for "Timber" or "Oaks" to narrow the results if your statement is long. Note the exact date, amount, and any reference number or merchant code shown.

If the charge appears multiple times, check whether it is a recurring subscription or payment plan. Some financial services charge monthly fees or automatic loan payments. If you set up automatic payments with Timber and Oaks, the charge should appear on the same date each month.

Verify whether you authorized the transaction

Think back to whether you opened a loan, requested a cash advance, or signed up for a service with Timber and Oaks. Check your email for confirmation messages or account statements from them. If you have an account with the company, log in to see your transaction history and account details.

If someone else has access to your card—a family member, roommate, or authorized user—ask them whether they made the charge. Authorized users can make purchases on your account, and the charge will still appear under your card number.

What to do if you do not recognize the charge

Contact your credit card issuer's customer service number, which is on the back of your card or in your online account. Tell them the charge is unauthorized or that you do not recognize it. Provide the date, amount, and merchant name. The issuer will ask you to confirm that you did not make the transaction.

Your card issuer can place a temporary hold on the charge while they investigate. This is called a provisional credit and does not mean the charge is permanently removed, but it keeps the amount from counting against your available credit while the dispute is open. The investigation usually takes 30 to 60 days. Keep records of all your communications with the issuer, including the date, time, and name of the representative you spoke with.

Report fraud if your card was used without permission

If someone used your card without your permission, tell your card issuer when ready. They will cancel your current card and issue a replacement. You are not responsible for unauthorized charges once you report them, though you may have a small liability depending on your card issuer's fraud policy and how quickly you reported it.

Ask your issuer whether they need you to file a police report or submit a written statement. Some issuers require documentation for larger disputes. If the fraud is part of a larger pattern—multiple unauthorized charges or a stolen card—the issuer may flag your account for extra monitoring.

Prevent future charges from Timber and Oaks

If you have an active account with Timber and Oaks and want to stop charges, contact them directly. Ask whether you can cancel the account, pause automatic payments, or change your payment method. Get confirmation in writing or by email that the account is closed or the charges have stopped.

If you do not have an account with them and the charge was fraudulent, monitor your statement for the next few months to make sure no additional charges appear. Set up account alerts through your card issuer so you are notified of any transaction over a certain amount. Consider placing a fraud alert or credit freeze with the credit bureaus if you believe your personal information was compromised.

Frequently Asked Questions

How long does it take to get my money back after I dispute the charge?

Your card issuer must acknowledge your dispute within 30 days and complete their investigation within 60 days. If they find the charge was unauthorized, they will remove it permanently. If they find you did authorize it, they will explain why and the charge will remain on your account. Some issuers issue a temporary credit within 10 days while they investigate.

Will disputing the charge hurt my credit score?

Disputing a charge does not directly hurt your credit score. However, if the dispute is resolved against you and the charge remains on your account, it counts as a balance owed. Paying the balance will prevent damage to your score. Disputing itself is not reported to credit bureaus.

What if Timber and Oaks says I authorized the charge but I did not?

Tell your card issuer that you did not authorize it, even if Timber and Oaks claims you did. Your issuer will investigate both sides. If you have evidence that you did not authorize it—such as proof you were out of the country, or that your card was stolen—provide that to your issuer. The burden is on the merchant to prove you authorized the charge.

Can I stop automatic payments from Timber and Oaks?

Contact Timber and Oaks directly and ask them to cancel the automatic payment arrangement. Provide your account number and the payment method. Ask for written confirmation. You can also contact your card issuer and ask them to block recurring charges from that merchant, though this is a temporary measure and does not cancel the underlying agreement.

What if the charge is correct but I want to return what I bought?

Contact Timber and Oaks' customer service and ask about their return or cancellation policy. If they issue a refund, it will appear as a credit on your statement within a few days to a few weeks, depending on your card issuer. If they refuse to refund you, you can dispute the charge with your card issuer and explain why you believe it should be reversed.