Have you ever glanced at your bank statement and spotted a mysterious 222 Kearny Street San Francisco charge on debit card? It’s confusing, right? You’re not alone in scratching your head over unexpected charges that pop up without a clear explanation.
We’ll break it down step by step. I’ll share what this address means, why it might show up on your statement, and what to do next. Think of it as your guide to turning confusion into clarity.
Overview of 222 Kearny Street
222 Kearny Street sits in the heart of San Francisco’s bustling Financial District. It’s a multi-story office building that’s home to various companies and services. Built with a classic vibe, it blends right into the city’s vibrant urban scene.
I remember visiting San Francisco a few years back for a conference. Parking was a nightmare, and I ended up in a garage that charged my card with just the address listed. Turns out, places like this often process payments that way.
This spot isn’t just offices. It has a parking garage too, which could explain many of those debit card surprises.
What Businesses Call This Address Home?
The building at 222 Kearny Street hosts a mix of tenants. From tech firms to service providers, it’s a hub for activity.
For instance, companies like EPAM Systems handle software development. Then there’s Prometric Testing for certification exams. Travel agency FCM Travel operates there too.
Rev.com offers transcription services, and Demandforce helps with business marketing. Even Kimpton Hotel & Restaurant Group has an office, though it’s more corporate than a spot for direct bookings.
In the past, Afterpay, the buy-now-pay-later service, was based here in Suite 600. They moved in 2021, but old transactions might still reference the address.
Don’t forget the ground level. Retail and professional services could process payments tied to this location.
Why Might This Charge Appear on Your Debit Card?
Seeing a 222 Kearny Street San Francisco charge on your debit card often ties back to a legitimate transaction. But sometimes, it’s a red flag.
Common culprits include online purchases or in-person services from businesses in the building. Maybe you signed up for a subscription or bought something digitally.
Parking is a big one. The garage at this address charges for spots, and payments might show up with the street name instead of a company label.
I once had a similar charge after a quick stop in SF. It took a minute to connect it to parking, but checking my calendar jogged my memory.
Is It a Parking Fee from the Garage?
Yes, parking could be the source. The 222 Kearny Garage offers spots in a prime area, run by operators like ACE Parking or Priority Parking.
Rates vary. For example:
| Time Period | Rate |
|---|---|
| 15 Minutes | $6 |
| 30 Minutes | $8 |
| Daily Max | $40 |
| Early Bird | $24 |
| Overnight | $55 |
You pay via credit or debit card at the exit. The charge might appear as “ACE Parking” or simply the address on your statement.
If you parked there recently, match the date and amount. San Francisco parking fees can add up fast in busy districts.
Electric vehicle owners, note: Some spots have charging stations, and fees might bundle in.
Could It Be from Afterpay or Similar Services?
Afterpay used to operate from 222 Kearny Street. Their charges typically show as “Afterpay San Francisco,” but variations happen.
If you used buy-now-pay-later for shopping, this could be an installment payment. Check your Afterpay app for details.
Other services in the building, like Rev.com, charge for audio transcriptions. If you uploaded a file lately, that might be it.
Demandforce handles appointment reminders for dentists or salons. A service fee could link back here.
How to Verify If the Charge Is Legitimate
First, review your recent activities. Did you visit San Francisco? Shop online with a company based there?
Log into your bank app. Look for merchant details beyond the address.
Contact the bank. They can provide more info on the transaction.
If it’s parking-related, call ACE Parking at their general line or check their website for confirmation.
For Afterpay, visit their support page. They have tools to track payments.
A quick tip: Keep receipts from trips. They saved me once when a charge seemed off.
Steps to Dispute an Unauthorized Transaction
Worried it’s fraud? Act fast.
- Call your bank immediately. Report the charge as suspicious.
- They’ll likely freeze your card and issue a new one.
- File a dispute. Provide any evidence, like your location at the time.
- Monitor your account for other odd charges.
Banks often refund legitimate disputes within days. I had a fraudulent charge once; my bank handled it smoothly.
For extra help, check the Federal Trade Commission site on identity theft (ftc.gov/idtheft). It’s a great resource.
Another solid link: Consumer Financial Protection Bureau (consumerfinance.gov) for complaint filing.
Tips to Prevent Future Mysterious Debit Card Charges
Stay ahead of surprises with these habits.
- Use virtual cards for online buys. They limit exposure.
- Set up transaction alerts on your phone.
- Review statements weekly, not monthly.
- Avoid saving card info on unfamiliar sites.
In San Francisco, opt for app-based parking like ParkMobile to track payments better.
Vary your routines. I switched to alerts after one mix-up, and it’s made life easier.
FAQs About 222 Kearny Street San Francisco Charge on Debit Card
Now, let’s dive into some common questions.
Q. What If the Charge Is Small, Like Under $5?
Small amounts often test if your card works for bigger fraud. Dispute it right away. Scammers use this trick to verify details.
Q. Is 222 Kearny Street Linked to Any Known Scams?
No major scams tie directly to this address. But unauthorized charges can happen anywhere. Always verify.
Q. Can I Get a Refund for a Legitimate But Forgotten Charge?
It depends on the merchant. For parking, probably not. Contact them first.
Conclusion
A 222 Kearny Street San Francisco charge on debit card is usually from parking or a business there. Check your records, and if it’s odd, reach out to your bank. Staying vigilant keeps your finances safe.
Disclaimer: This post offers general advice based on public info. It’s not financial or legal counsel. Consult your bank or a professional for personal situations.
Shweta is a passionate researcher and writer who enjoys exploring diverse topics and sharing valuable insights through his blogs.