Have you recently spotted a “D&H Distributing” charge on your credit card or bank statement and wondered where it came from? You’re not alone. Many U.S. consumers encounter unfamiliar billing descriptors like this and immediately worry about potential fraud or unauthorized use.
While some D&H Distributing charges are legitimate business-related transactions, others may be unauthorized or mistakenly processed. This guide explains what the D&H Distributing charge might mean, how to verify its source, and what steps you can take to dispute it if necessary — all while protecting your consumer rights under the Fair Credit Billing Act (FCBA).
What Is D&H Distributing?
D&H Distributing is a well-known technology distributor based in the United States, supplying electronics, office equipment, and IT products to retailers, resellers, and businesses. They are not typically a direct-to-consumer brand — meaning, if you see a D&H Distributing charge, it might be connected to a business purchase, wholesale order, or third-party transaction.
However, as of 2025, limited public information is available on individual consumer billing relationships with D&H Distributing. Consumers should verify the charge directly with their bank or merchant before assuming it’s legitimate.
Why You Might See a D&H Distributing Charge on Your Credit Card
Here are the most common scenarios where a D&H Distributing credit card charge might appear:
1. Wholesale or Office Supply Purchase
If you or your business recently ordered electronics, peripherals, or IT equipment, the transaction might have been processed through D&H Distributing — even if you purchased from a third-party reseller or online marketplace.
2. Third-Party or Affiliate Billing
Sometimes, online platforms or smaller vendors fulfill orders through a D&H Distributing affiliate. In this case, D&H appears as the billing descriptor on your credit card statement even though you purchased from another website.
3. Business Expense or Employee Purchase
If you share a corporate or joint business card, a team member or employee may have made a legitimate business purchase using D&H Distributing as a supplier.
4. Mistaken or Duplicate Transaction
Occasionally, a billing system error may cause duplicate or incorrect charges to appear on your card. This is more common in bulk ordering or B2B (business-to-business) environments.
5. Unauthorized or Fraudulent Charge
If none of the above apply, there’s a chance the charge is unauthorized. Fraudsters sometimes use legitimate merchant names to disguise fraudulent activity. In this case, it’s important to act quickly.
How to Verify a D&H Distributing Credit Card Charge
Before assuming fraud, follow these steps to confirm the nature of the charge:
🔹 Step 1: Review Your Purchase History
Check your email receipts, invoices, and recent online orders. Look for any transactions that match the date and amount of the D&H Distributing charge.
🔹 Step 2: Ask Household or Business Members
If you share your card with a spouse, partner, or employees, confirm whether they made any purchases that could relate to D&H Distributing or technology-related items.
🔹 Step 3: Look Up the Billing Descriptor
The description on your statement might look like:
D&H DISTRIBUTING CO, D&H DISTRIBUTING HARRISBURG, or DANDH.COM
Search these descriptors online or through your bank’s merchant lookup tool to check if they link to the official D&H Distributing website or a known reseller.
🔹 Step 4: Contact D&H Distributing Directly
If you suspect the charge might be legitimate but want to confirm, reach out to D&H Distributing customer service. You can visit their official website (dandh.com) to locate verified contact details — never call or email using contact info from an unknown website.
🔹 Step 5: Contact Your Credit Card Issuer
If you cannot verify the transaction or the merchant doesn’t respond, contact your card issuer immediately. They can block further unauthorized charges and guide you through the dispute process.
How to Dispute a D&H Distributing Credit Card Charge
If you confirm that the D&H Distributing charge is unauthorized or incorrect, follow these steps to dispute it properly under U.S. consumer protection law:
1. Gather Documentation
Collect all relevant records, such as:
- A screenshot of the transaction
- Email correspondence with the merchant
- Any proof showing you didn’t authorize the purchase
2. Notify Your Credit Card Issuer
Call your card’s customer service number (found on the back of your card). Report the unauthorized charge and ask to initiate a dispute. Most major banks — like Chase, Capital One, Bank of America, and Citi — also allow you to file disputes online or through their mobile apps.
3. Understand Your Rights Under the Fair Credit Billing Act (FCBA)
The Fair Credit Billing Act (FCBA) protects U.S. consumers from unauthorized credit card charges. Under this law:
- You are not liable for unauthorized charges over $50.
- You must report the charge within 60 days of receiving your statement.
- Your credit card company must investigate and resolve the dispute, usually within two billing cycles.
4. Monitor Your Account
While your dispute is under review, keep checking your credit card and bank accounts for any additional suspicious activity.
5. Request a New Card
If the charge was fraudulent, your issuer will likely cancel your existing card and send a new one with a fresh number to prevent further unauthorized transactions.
Preventing Unauthorized or Confusing Credit Card Charges
Even the most careful consumers can fall victim to billing confusion or fraud. Here’s how to minimize the risk of seeing unfamiliar charges like D&H Distributing in the future:
✅ Use Virtual or Disposable Card Numbers
Many U.S. banks and fintech apps now offer virtual cards that generate unique numbers for each online purchase. This protects your real credit card number from being stored or reused.
✅ Turn On Transaction Alerts
Enable real-time notifications through your banking app or credit card account. You’ll get instant alerts for every purchase, making it easier to spot unauthorized activity.
✅ Review Statements Monthly
Set aside time each month to carefully review your credit card statements. Flag any charges you don’t recognize and investigate them immediately.
✅ Avoid Unverified Retailers
Always shop through secure, HTTPS-enabled websites and avoid providing card details on unfamiliar or poorly reviewed online stores.
✅ Maintain Strong Passwords and Multi-Factor Authentication
Protect your financial accounts with strong, unique passwords and two-factor authentication (2FA) to prevent account takeovers.
Frequently Asked Questions (FAQs)
1. What is D&H Distributing?
D&H Distributing is a U.S.-based wholesale technology distributor providing IT and electronic products to retailers, businesses, and resellers.
2. Why do I see a D&H Distributing charge if I never ordered anything from them?
It may be linked to a third-party or affiliate purchase, business expense, or unauthorized transaction. Verify with your card issuer and the merchant.
3. How can I confirm if the charge is legitimate?
Check your recent purchases, receipts, or business invoices. You can also contact D&H Distributing directly through their verified website for clarification.
4. Can I get a refund for an unauthorized D&H Distributing charge?
If the charge is proven unauthorized, your credit card issuer will reverse it after investigation under the Fair Credit Billing Act (FCBA).
5. How long does a credit card dispute take to resolve?
Most disputes are resolved within 30 to 90 days, depending on your card issuer and the complexity of the case.
6. How can I avoid similar issues in the future?
Enable transaction alerts, use virtual cards, and regularly monitor your statements to quickly catch suspicious charges.
Final Thoughts
Spotting a mysterious D&H Distributing charge on your credit card can be unsettling, but it doesn’t always mean fraud. It might be a legitimate business purchase processed under a different name.
However, if you can’t identify the transaction after reviewing your records, don’t ignore it. Contact your credit card issuer, confirm the merchant, and if necessary, dispute the charge under the Fair Credit Billing Act.
By staying alert and proactive, you’ll protect not only your finances but also your peace of mind — and ensure every dollar on your statement is accounted for.
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.