Hey there, have you ever glanced at your credit card statement and spotted a Timber and Oaks charge on credit card, maybe for $29.99? If that’s you, you’re not alone. Don’t worry, we’ll dive into what this charge could mean, why it shows up, and what steps you can take.
What Exactly Is Timber and Oaks?
Timber and Oaks appears to be an online company selling skincare products. Their website, timberandoaks.com, talks about high-quality items designed to nourish and rejuvenate your skin.
Think creams, serums, and other beauty essentials. They position themselves as a premium brand, but digging deeper reveals some red flags.
From what I can tell, they offer subscription-based services like a VIP Membership. This gives perks such as discounted pricing, free shipping, priority customer support, and early access to new products.
The membership costs $29.99 per month, billed every 30 days, with the first charge hitting about 12 days after you sign up. They also have a Platinum VIP Club with extra benefits like monthly store credits and additional discounts, which you can cancel anytime via email or phone.
But here’s where it gets tricky, many people report seeing this charge without remembering signing up for anything. The company’s contact info includes an email (support@timberandoaks.com) and a phone number (830-227-2576), but responses can be hit or miss.
If you’ve shopped online for skincare recently, it’s possible you clicked on a trial offer that quietly turned into a recurring subscription.
Why Might This Charge Appear on Your Statement?
Credit card charges don’t just appear by magic, right? There are a few common reasons why “Timber and Oaks” might show up:
- Legitimate Purchase or Subscription: Maybe you tried a free trial for a skincare product and forgot about the fine print. These offers often auto-enroll you in monthly billing after a short period. It’s easy to overlook, especially with all the emails we get.
- Unauthorized Use: This is the big one. Numerous reports suggest fraudulent activity. People have shared stories on sites like the Better Business Bureau (BBB) about unexpected $29.99 charges from Timber and Oaks, often labeled as from Ohio or similar. They swear they never interacted with the company.
- Data Breaches or Card Skimming: If your card info got compromised in a hack or through a shady website, scammers could use it to make charges under this name. It’s a common tactic to test cards with small amounts before going bigger.
- Similar Company Mix-Ups: Some legit businesses with names like Oak and Cedar or Cedar and Ash have posted warnings on social media. They say fraudsters are using similar names to confuse people and process bogus charges. One person even reported back-to-back charges from different but related-sounding entities.
In short, if the charge doesn’t ring a bell, treat it as suspicious. Better safe than sorry when it comes to your money.
Is Timber and Oaks a Scam? Let’s Look at the Evidence
Now, the million-dollar question: Is this a straight-up scam?
Well, it’s not black and white, but the signs aren’t great. The website has a low trust score on review platforms, partly because it’s fairly new (registered in late 2024) and has few visitors.
Scamadviser flags it with several negative indicators, including bad reviews and potential scam risks.
Customer feedback is rough. On Trustpilot and ScamPulse, people call out sister sites like Cedar and Ash for sending subpar products or charging without delivering value.
One review described ordering a cooling blanket but getting “a crappy piece of fabric” instead. BBB Scam Tracker has multiple entries about unauthorized charges, with users frustrated by runaround emails and no resolutions.
Social media is buzzing too. Facebook posts from affected companies warn of copycat fraud, and TikTok videos guide folks on disputing these charges with banks like Wells Fargo or Chase.
It’s possible some charges are from aggressive marketing tactics, like hidden subscriptions, but many seem outright fraudulent.
That said, not every charge is fake. If you did sign up, it might be legit. But with so many complaints, it’s wise to double-check.
How to Dispute a Timber and Oaks Charge
Spotting an odd charge? Don’t panic, act fast.
Here’s a simple guide to disputing it:
- Review Your Statement: Log into your credit card account and note the exact charge details, like date, amount, and merchant name.
- Contact the Company: Reach out to Timber and Oaks via their email or phone. Ask for proof of your purchase or subscription. If it’s legit, they should provide details.
- Call Your Card Issuer: If the company stonewalls you, contact your bank or credit card company right away. Federal law gives you 60 days to dispute unauthorized charges. They’ll often reverse the charge temporarily while investigating.
- Monitor for More: Keep an eye on your account for similar charges. Some scammers use variations like “Cedar and Ash” or “Brook and Ash.”
- Get a New Card: If fraud is confirmed, request a new card to stop future hits.
For a quick overview, check this table on dispute timelines by major issuers:
| Credit Card Issuer | Dispute Window | Contact Method |
|---|---|---|
| Visa | 60 days | Online portal or app |
| Mastercard | 60 days | Phone support 24/7 |
| American Express | 120 days | App or website |
| Discover | 90 days | Customer service line |
Following these steps can get your money back and protect your account.
Tips to Prevent Future Unauthorized Charges
Prevention beats cure, especially with credit cards.
Here are some practical ways to stay safe:
- Use Virtual Cards: Many banks offer one-time-use card numbers for online shopping. They’re great for trials.
- Set Up Alerts: Enable text or email notifications for every transaction. Catch issues early.
- Read the Fine Print: Before entering card details, scan for subscription terms. Look for words like “auto-renew” or “membership fee.”
- Shop Securely: Stick to sites with HTTPS and good reviews. Avoid clicking sketchy ads.
- Regular Check-Ins: Make it a habit to review statements weekly. Tools like Mint or your bank’s app can help.
By staying vigilant, you reduce the odds of surprises like this.
FAQs About Timber and Oaks Charge on Credit Card
Q: What should I do if I see a Timber and Oaks charge but don’t remember buying anything?
A: Contact your credit card issuer immediately to dispute it as unauthorized. Also, reach out to the company for clarification, but prioritize your bank.
Q: Is Timber and Oaks a legitimate company?
A: They have a website selling skincare, but with low trust scores and many scam reports, it’s risky. Proceed with caution or avoid altogether.
Q: How can I cancel a subscription with Timber and Oaks?
A: Email support@timberandoaks.com or call (830) 227-2576. They claim cancellations are processed quickly, but document everything.
Conclusion
Dealing with mystery charges like Timber and Oaks can be stressful, but knowing the facts empowers you to handle it. Whether it’s a forgotten subscription or outright fraud, quick action is key. Stay proactive with your finances, and you’ll sleep better at night.
Disclaimer: This article is for informational purposes only and not financial or legal advice. Always consult your bank or a professional for personalized guidance. Information is based on publicly available sources as of October 2025 and may change.
Savita is a passionate finance writer with a strong background in the world of money management and financial planning. With over 4 years of blogging experience, she has been helping readers simplify complex financial topics and make smarter money decisions.
