Seeing an unexpected charge like “ESRT Observatory TRS” on your credit card statement can be confusing and stressful, especially if you don’t remember making any related purchase. Many U.S. cardholders search for answers because the description doesn’t clearly explain what the charge is for. This blog breaks down exactly what the ESRT Observatory TRS charge means, why it appears, and how to confirm whether it’s legitimate or fraudulent. You’ll also learn the steps to dispute the charge and protect your card from future issues.
What Is ESRT Observatory TRS Charge on Credit Card?
The ESRT Observatory TRS charge on credit card refers to a transaction linked to the Empire State Realty Trust (ESRT), the company that owns and operates the iconic Empire State Building in New York City. ESRT manages the building’s observatory floors, ticketing operations, and related visitor experiences. When someone purchases tickets to the Empire State Building Observatory or makes purchases within the observatory premises, the transaction may show up on a credit card statement with descriptors such as:
- ESRT OBSERVATORY TRS
- OBSERVATORY TRS ESRT LLC
- ESRT 20W33RD NEW YORK
- Empire State Building Observatory
The “TRS” designation typically refers to a Taxable REIT Subsidiary, which is a legal entity used for operating businesses like ticket sales or hospitality services.
If you—or someone with access to your card—visited the Empire State Building or purchased observatory tickets recently, this charge may be completely legitimate. However, if you didn’t make such a purchase, it requires further investigation.
Why Does ESRT Observatory TRS Charge Appear on Your Card?
There are several legitimate reasons why this charge may show up:
- Direct Ticket Purchase:- If you bought tickets to visit the Empire State Building Observatory, whether online or on-site, this charge reflects the transaction.
- Purchase Through a Travel Agency:- Many travelers book experiences through third-party platforms such as:
- TripAdvisor
- Klook
- Viator
- Expedia
- CityPASS
These platforms may use the ESRT merchant descriptor when processing observatory tickets.
- Gift Shop or On-Site Purchases:-The Empire State Building gift shop and certain on-site services may use the same billing descriptor, especially if payment is processed through the observatory’s main system.
- Someone Else in Your Family Used the Card:- Authorized users, spouses, or kids may have used the card for sightseeing or travel purchases.
- Delayed or Batch-Processed Charges:- Some travel platforms or ticketing systems process payments later, causing confusion when the charge appears days after the actual activity.
If any of these scenarios match your situation, the Empire State Building credit card charge is likely legitimate.
Is ESRT Observatory TRS a Legit Charge or a Scam?
The ESRT Observatory TRS charge is legitimate in most cases, but it can also be a sign of unauthorized use. Here’s how to tell the difference:
Legitimate Charge Indicators
- You visited New York recently.
- You bought Empire State Building tickets online or in-person.
- A family member used your card.
- You used a travel platform that partners with ESRT.
Fraud or Unauthorized Charge Red Flags
- You didn’t travel to New York.
- No one you know used the card for a visit.
- The amount looks unusual or much higher than normal ticket prices.
- Multiple ESRT charges appear without explanation.
- You notice additional unfamiliar NYC charges on your card.
If any red flags match your situation, treat the unknown NYC charge as potentially fraudulent and act quickly.
What To Do If You See ESRT Observatory TRS Charge
Follow these steps immediately to verify and resolve the issue:
Review the Transaction Details
Check the:
- Date
- Amount
- Descriptor
- Location
Compare it with your recent activities.
Search Your Email for Receipts
Look for receipts linked to:
- Empire State Building
- ESRT
- NYC Observatory Tickets
- Travel apps
Search keywords like “ESRT,” “Empire State Building,” or “observatory.”
Check With Family Members
Ask anyone with access to your card if they made a purchase.
Review Your Recent Travel Bookings
Look into Airbnb Experiences, guided tours, or bundled passes that may include observatory access.
Mark the Charge as Suspicious if Unrecognized
If nothing matches, treat it as unauthorized and proceed to dispute it.
How To Dispute ESRT Observatory TRS Charge
If you conclude that the charge is unauthorized, follow these steps:
Contact Your Bank or Credit Card Issuer Immediately
Use the customer support number on the back of your card and say you need to dispute an unknown charge. Explain that the ESRT Observatory TRS charge was not authorized.
Request Card Blocking or Replacement
If fraud is suspected, ask for:
- Immediate card freeze
- Replacement card
- Removal of stored card info from suspicious platforms
File a Chargeback
Your bank will start a dispute process and may issue temporary credit while investigating.
Provide Any Supporting Documents
Your issuer may ask for:
- Screenshots
- Statements
- Travel records
- Emails confirming you didn’t authorize the charge
Track the Investigation Timeline
Most U.S. banks resolve disputes within:
- 10 business days for provisional refunds
- 30–90 days for full investigation
Always check your statement regularly after submitting the dispute.
Read Also:- Cookingits.com Charge on Credit Card
Frequently Asked Questions
Why does the ESRT Observatory TRS charge show a New York location?
Because the charge originates from the Empire State Building Observatory in New York City.
Can travel websites cause this charge to appear?
Yes. Booking platforms like TripAdvisor, Viator, and Expedia may process payments using ESRT’s merchant network.
Can this be a fraudulent charge?
Yes. If you didn’t purchase any observatory-related service, treat it as an unauthorized transaction and contact your bank.
What is the typical cost of an Empire State Building Observatory ticket?
Tickets generally range between $30–$80, depending on the experience and level of access
Conclusion
The ESRT Observatory TRS charge on credit card often relates to a visit or purchase at the Empire State Building Observatory, but it can also appear unexpectedly due to third-party bookings or unauthorized card use. By understanding what the charge means and following clear verification steps, you can quickly determine whether it’s legitimate or fraudulent. If the charge seems suspicious, take immediate action by contacting your bank and disputing it. Staying proactive will help protect your financial security.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.
