Seeing a factor law inc charge on credit card can be confusing, especially if you do not recognize the transaction. The name “Factor” is used by more than one legitimate business. Factor Law Inc. is an alternative legal-services company, while Factor75, LLC operates Factor’s meal subscription service. A customer has also reported seeing a separate “Factor Law, Inc” charge with Factor meal deliveries. However, this does not mean every Factor Law Inc charge comes from Factor Meals or that the transaction is automatically fraudulent. Here’s how to identify the charge and what to do if you do not recognize it.
What Is a FACTOR LAW INC Charge?
FACTOR LAW INC is a merchant or statement descriptor that may appear on a credit-card statement. A statement descriptor does not always match the consumer-facing brand you remember using because a company may process payments under a legal or corporate entity.
Factor Law Inc. is a legitimate company. Its official privacy policy identifies it as an alternative legal-services provider headquartered at 110 East 25th Street, New York, NY 10010.
However, Factor Law Inc. is not itself the Factor meal-delivery company. The current Factor terms identify Factor75, LLC d/b/a Factor as the operator of the Factor for Business service.
Important: A FACTOR LAW INC charge should not automatically be considered a scam or automatically assumed to be a Factor Meals charge.
Is FACTOR LAW INC a Legitimate Company?
Yes. Factor Law Inc. is a legitimate business that provides alternative legal services to corporate clients. Its services involve areas such as contracts, legal operations, consulting, and AI-integrated legal work. Its official privacy policy also identifies Factor Law Inc. as the legal entity and lists its New York headquarters.
Therefore, seeing the company name on a statement does not by itself indicate credit-card fraud.
Why Might FACTOR LAW INC Appear on Your Credit Card?
There are several possible explanations.
You Have a Factor Meal Subscription
Factor operates a recurring meal subscription service. Its current terms state that the subscription can include an initial charge followed by recurring weekly charges until the customer cancels.
If you use Factor Meals, compare the transaction with your recent orders, subscription status, and payment history.
A Previous Factor Subscription Renewed
An unexpected charge may result from:
- An active subscription you forgot about
- A skipped delivery rather than a canceled subscription
- An order processed before cancellation
- A missed cancellation deadline
- A previously used account being active again
Factor’s terms state that cancellation does not necessarily stop charges that were submitted before the company could reasonably process the cancellation.
You Used Factor Law Services
If you or your business has worked with Factor Law, the charge could potentially relate to a legitimate legal or contract-related service. Check your invoices, business records, and account activity.
The Charge Is Unauthorized
If you have never used Factor Meals, never dealt with Factor Law, and no authorized cardholder recognizes the transaction, investigate it as a potentially unauthorized charge.
Is FACTOR LAW INC Related to Factor Meals?
This is where online explanations can become misleading.
Factor Law Inc. and Factor75, LLC d/b/a Factor are identified as different legal entities in their respective official materials.
However, there is customer evidence connecting the statement descriptor to Factor meal deliveries. In a February 2026 Trustpilot review, a customer reported being charged a separate fee from “Factor Law, Inc” with each Factor delivery. Factor responded that it could not locate the account from the review but invited the customer to contact support so the charges could be investigated.
This is useful evidence, but it does not prove that every Factor meal charge uses the FACTOR LAW INC descriptor.
What We Know
- Factor Law Inc. is legitimate.
- Factor’s meal subscription service is legitimate.
- Factor can automatically bill customers on a recurring weekly basis.
- Customers have reported unexpected Factor charges.
- At least one customer reported separate Factor Law, Inc charges alongside Factor meal deliveries.
What We Cannot Confirm
- Every Factor Meals charge appears as FACTOR LAW INC.
- Every FACTOR LAW INC charge comes from Factor Meals.
- The descriptor alone identifies the exact service that generated the transaction.
How to Identify a FACTOR LAW INC Charge
Before disputing the transaction, check these details:
Check the Amount
Compare the charge with your Factor order, subscription, shipping, taxes, or add-ons.
Check the Date
See whether the date matches a recent order, delivery, or subscription renewal.
Search Your Email
Search for Factor, Factor75, Factor Meals, Factor Law, order, delivery, and receipt.
Check Your Factor Account
Review your active subscription, order history, upcoming deliveries, skipped orders, cancellation status, and payment history.
Ask Other Authorized Cardholders
A spouse, family member, employee, or another authorized user may have made the purchase.
What If You Never Used Factor?
If you cannot connect the transaction to any Factor account, Factor Law service, or authorized cardholder, contact your credit-card issuer promptly and report the transaction as potentially unauthorized.
Do not assume that a legitimate company name means the specific transaction was authorized.
How to Dispute a FACTOR LAW INC Charge
If appropriate, contact Factor first and provide the transaction date, amount, last four digits of your card, account email, and exact statement descriptor. Ask whether they can identify the order or account connected to the charge.
If the transaction remains unexplained, contact your credit-card issuer and follow its dispute procedure.
For U.S. credit-card users, the CFPB recommends contacting the card company promptly. To protect billing-error rights, you generally need to send a written billing-error notice within 60 calendar days after the charge appeared on your statement.
Can Factor Charge a $1 Verification Fee?
Yes. Factor’s current terms state that it may place a $1 authorization charge during payment verification, which is intended to be refunded after successful authorization.
Bottom Line
A factor law inc charge on credit card is not automatically a scam. Factor Law Inc. is a legitimate alternative legal-services company, while Factor75, LLC operates Factor’s meal subscription service. Customer evidence shows that “Factor Law, Inc” has appeared as a separate charge alongside Factor meal deliveries for at least one customer, but Factor’s public terms do not establish it as the universal billing descriptor.
If you recognize Factor activity, check your account and order history. If you have never used Factor or Factor Law and cannot identify the transaction, contact your credit-card issuer and dispute it if appropriate.
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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.
