Timber and Oaks Charge on Credit Card: What It Means and How to Dispute It

If you see a charge labeled Timber and Oaks — or a variation thereof — on your credit card statement and don’t immediately recognize it, that can be alarming. Unfamiliar charges raise red flags, but they don’t always mean fraud. In this article, you’ll find a clear, consumer-oriented guide to figuring out what this charge might be, how to verify it, what steps you can take to resolve or dispute it, and how to avoid surprises in the future.

Disclaimer: Limited public information is available for “Timber and Oaks” as of 2025. Consumers should verify directly with their bank or the merchant.

What Is Timber and Oaks?

Because “Timber and Oaks” is not a widely known brand name (especially in mainstream U.S. retail or home improvement), the nature of charges under that descriptor is somewhat opaque. However, the following clues and findings are useful:

• The domain timberandoaks.com markets itself as a skincare / cosmetics store with a VIP subscription charging $29.99 every 30 days.
• Their Terms of Service confirm that customers who subscribe to the “Timber and Oaks VIP Membership” agree to recurring charges: “Your credit card or other payment method on file will be charged the VIP Membership fee of 39 dollars and 99 cents USD … Customers who decide to sign up for Timber and Oaks VIP Membership will be Billed $29.99 every 30 days until canceled. The first charge will occur 12 days after purchase and then every 30 days after.”
• Scamadviser data suggests the website has a low trust score with several negative reviews, warnings, and signs that it may not be fully legitimate.
• On BBB’s Scam Tracker and related reports, multiple consumers have reported $29.99 charges under “Timber and Oaks — OH,” claiming they didn’t receive product or were charged without consent.

Given all that, we can outline the plausible types of transactions “Timber and Oaks” might represent:

Possible Transaction Types for Timber and Oaks

1. Recurring membership / subscription fee
   As described in the merchant’s own Terms of Service, Timber and Oaks offers a VIP membership which triggers a monthly payment of $29.99 until canceled.
2. Cosmetics, skincare, or beauty products
   The Timber and Oaks website sells makeup, lip care, hair care, brushes, and similar products.
3. Third-party / payment processor billing alias
   Even if you buy from another brand or a marketplace, the charge might appear under “Timber and Oaks” if that name is used by the payment processor or backend subscription vendor.
4. Mistaken, duplicate, or fraudulent charges
   Because so many consumer complaints note surprise or unauthorized $29.99 charges, it’s quite possible that some charges under this name are fraudulent or the result of deceptive marketing.

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Why This Charge Might Appear

Here’s a breakdown of common reasons an unfamiliar “Timber and Oaks” charge might show up on your credit card:

1. You knowingly signed up for a subscription

Maybe you purchased a product and, as part of the checkout flow, opted into a membership or VIP program without fully realizing it.

2. The merchant runs automatic recurring billing

If you subscribed to the VIP plan, you may see the monthly charge every 30 days, per their terms.

3. Backend / processor alias

Some retailers use third-party services or subscription platforms that bill under a different name (e.g., Timber and Oaks) while the actual “store” name is different.

4. Duplicate or mistaken charge

It’s possible the same purchase was mistakenly billed more than once, or a payment retry went through even after you thought the charge had failed.

5. Fraud or unauthorized charge

Multiple reports to BBB describe situations where users claim they never agreed to recurring billing or didn’t receive goods.

Because of the mix of plausible and reported cases, treat any Timber and Oaks charge with healthy skepticism — but don’t jump to conclusions before verifying the transaction carefully.

How to Verify the Timber and Oaks Charge

Before escalating to your card issuer or disputing, do some groundwork:

1. Check your recent purchases, receipts, or invoices

• Go through your email inbox (include spam folder) around the date the charge hit your statement.
• Look for order confirmations from a website named Timber and Oaks, or any references to VIP or subscription billing.

2. Ask family members or authorized users

• If you share the card or have authorized users, check whether they ordered something under that name.
• Sometimes gifts or purchases by others get billed to your card.

3. Confirm possible third-party processing

• If you recently subscribed to a skincare box, cosmetics brand, or “beauty subscription,” see if their billing descriptor is different from the storefront.
• Sometimes the legal or backend name differs.

4. Search for the merchant online

• Use search engines, BBB, trust / scam sites to see if others have reported the merchant name.
• In this case, several reports exist associating Timber and Oaks with suspicious $29.99 recurring charges.

5. Review the merchant’s site and terms

• Visit timberandoaks.com and check their terms / refund / cancel policy. Their site explicitly describes the automatic billing and subscription.
• Evaluate their online presence, contact information, trust score (Scamadviser warns of a low trust score).

If after all this you cannot match the charge to any known purchase or subscription, treat it as unrecognized and move to resolution steps.

Steps to Resolve or Dispute the Charge

If you confirm the charge is unfamiliar or unwanted, here’s how to approach it systematically:

Step 1: Contact the Merchant

1. Reach out directly
   • Use the contact info on their site (email, phone). Timber and Oaks lists support@timberandoaks.com and phone number (830) 227-2576.
   • Ask specifically about the transaction date, amount, and whether it is tied to a subscription or new order.
2. Verify your identity / transaction
   • Supply your order number, card’s last four digits (if asked), and any confirmation emails you have.
   • Ask them to locate the charge on your account and explain it.
3. Request refund or cancellation
   • If it’s a mistaken or unwanted recurring charge, request immediate cancellation and refund.
   • In many cases, merchants may offer a refund — though the more suspicious the merchant’s reputation, the less likely they will cooperate.
4. Keep all communication
   • Save dates, times, names of representatives, emails, chat logs — these will help if you escalate.

If the merchant refuses or doesn’t respond, move on to step 2.

Step 2: Contact Your Credit Card Issuer

1. Report the charge as unrecognized
   • Use your issuer’s online portal or phone line to flag the Timber and Oaks charge.
   • Ask whether the charge is still “pending” (not fully processed) — sometimes they can put a temporary hold or stop payment.
2. Ask about reversals or “chargeback holds”
   • Depending on the card network (Visa, Mastercard, etc.), the issuer may offer a provisional credit while investigating.
   • You may need to submit documentation (merchant correspondence, screenshots of your statements, etc.)
3. Follow issuer’s dispute process
   • Most card issuers require you to file a formal dispute within 60 days of the statement date under which the charge appeared (per the Fair Credit Billing Act).
   • The issuer should provide you with instructions, forms, or an online process.

Proceed to step 3 if the issuer can’t resolve directly.

Step 3: File a Dispute / Chargeback

1. Invoke your rights under the Fair Credit Billing Act (FCBA)
   • Under U.S. federal law, you have the right to dispute billing errors, including unauthorized or incorrect charges, within 60 calendar days after the first bill that includes the error.
   • The issuer must investigate and respond (typically within two billing cycles, not exceeding 90 days).
2. Submit documentation
   • Provide any evidence you collected: merchant emails, screenshots, your communication logs, etc.
   • Clearly state why you are disputing the charge (no service provided, unauthorized, product not delivered, etc.)
3. Track all steps and follow up
   • Note when the issuer begins the investigation, request updates, and check if the provisional credit stays until resolved.
   • If the dispute is resolved in your favor, the charge gets reversed and any interest or fees should not apply.
4. Escalate if needed
   • If your issuer rejects your dispute without adequate reason, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general.

Tips to Prevent Future Unknown Charges

To reduce the risk of surprise billing in the future, here are best practices:

• Monitor statements regularly
  Review every transaction line by line. Don’t dismiss unfamiliar names as “nothing.”
• Enable transaction alerts
  Many banks or credit cards offer real-time push / SMS alerts for new or large transactions.
• Use virtual or single-use card numbers
  Some issuers (e.g. Capital One, Citi) let you generate a disposable card number for one-time use. Even if it’s charged later, the number can’t be reused.
• Limit autopay and subscriptions
  Where possible, pay manually rather than opt into recurring billing, especially for lesser-known brands.
• Keep receipts and order confirmations
  Save emails, screenshots, and order forms for every transaction.
• Watch for “free trial” traps
  Many sites lure you with low-cost or free trial offers and then begin recurring billing — read the fine print on first purchase.
• Research merchant reputation before purchase
  Check reviews, BBB, Trustpilot, and scam-detection sites. For example, timberandoaks.com has multiple negative reviews and a low trust score.
• Use credit cards (not debit)
  Credit cards offer stronger protection and a buffer if a fraudulent or questionable charge appears.

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Frequently Asked Questions (FAQ)

1. What is Timber and Oaks on my credit card?
It could represent a cosmetics, skincare, or beauty product charge or a recurring membership (VIP plan) charge of $29.99. The merchant’s site confirms that the VIP membership triggers automated billing.

2. Could this charge be fraudulent?
Yes — especially if you never signed up or received a product. Many consumers have reported surprise $29.99 charges, non-delivery, or inability to cancel.

3. How do I dispute a Timber and Oaks charge?
Contact your card issuer, report the unrecognized transaction, and file a formal dispute under the Fair Credit Billing Act — ideally within 60 days. Provide any supporting documentation you have.

4. Can I get a refund directly from Timber and Oaks?
Possibly — if the merchant is cooperative. Request the refund and cancellation, but be aware that some complaints indicate nonresponsive or evasive behavior.

5. How can I prevent future unknown charges?
Monitor statements, enable real-time alerts, use virtual or single-use card numbers, avoid potentially deceptive trial offers, and research merchant trustworthiness before purchases.

6. Will disputing this charge affect my credit score?
No — filing a dispute does not directly impact your credit score. However, if you fail to pay legitimate charges (or if the dispute is rejected and you don’t pay), that could harm your credit.

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Conclusion

Seeing a mysterious Timber and Oaks charge on your credit card can be unsettling — especially since the merchant’s reputation is mixed, and many consumers report $29.99 recurring charges that they never authorized. But you don’t have to accept it at face value.

Here’s a recap of your roadmap:

1. Verify the charge first — check receipts, subscriptions, family members, and the merchant’s disclosures.
2. Contact the merchant — ask them to explain the charge, cancel any recurring billing, and, if appropriate, refund you.
3. Contact your card issuer — report the unrecognized charge and request reversal or provisional credit.
4. File a formal dispute / chargeback under the Fair Credit Billing Act if the merchant refuses or fails to respond.
5. Adopt protective practices — monitor statements, use single-use card numbers, and vet merchants before signing up for recurring billing.