What is the PrivacyGuard charge on your bank statement?
That line item is PrivacyGuard — a credit monitoring & identity service billed as a recurring charge. If you (or someone who shares your account) signed up at some point, it's most likely legitimate. Below: how to recognize it, and what to do if you want it gone.
Usually appears on statements as
PRIVACYGUARDPRIVACY GUARDReal numbers from one user's own account, July 2026 — yours will vary.
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One user's own audit flagged $19,207/yr in recurring charges (July 2026).
Don't recognize it? Check these first
- Someone else in the household. A partner or family member on a shared card is the most common explanation for a "mystery" recurring charge.
- A free trial that converted. PrivacyGuard's own sign-up flow involves a trial — the first charge is often the trial quietly ending. Set a trial reminder next time.
- A price you don't remember agreeing to. Subscriptions creep upward quietly. If the amount looks bigger than you remember, it probably is — see which services raised prices.
- Charged twice, or charged after you cancelled. Both are disputable. Contact PrivacyGuard first if you have an account; otherwise go straight to your bank — here's exactly how to dispute a charge.
Want the charge gone?
Cancelling PrivacyGuard is rated medium — cancelling means calling them (cancellation line: 1-800-374-8273). The full walkthrough covers all 3 steps, including what they'll offer you to stay.
Did this happen to you with PrivacyGuard?
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FAQ
What is the PrivacyGuard charge on my bank statement?
PrivacyGuard is a credit monitoring & identity service. Its charges usually appear on statements containing "PRIVACYGUARD", "PRIVACY GUARD". If you or someone in your household has a PrivacyGuard account, this is most likely a legitimate recurring charge.
How do I stop PrivacyGuard from charging me?
Cancel the subscription — cancelling means calling them (by phone at 1-800-374-8273). Skycopia rates it medium to cancel and has a step-by-step guide with the exact 3-step walkthrough.
Can I dispute a PrivacyGuard charge?
Yes — if the charge landed after you cancelled, or you never signed up at all, dispute it with your bank or card issuer. If you do have an account, contact PrivacyGuard first: a duplicate or post-cancellation charge is usually refunded faster by the merchant than through a formal dispute.
Why did PrivacyGuard charge me after a free trial?
Free trials convert to a paid subscription automatically unless cancelled before the trial ends — the first charge is the trial ending, not an error. Cancelling during the trial period costs nothing; after the trial ends you owe charges already accrued under your subscription agreement, so cancel before it converts if you're just trying it out.
Is Skycopia safe to connect to my bank?
Bank access is read-only through Plaid — the same connection used by apps like Venmo and Robinhood. Skycopia can see transactions to find subscriptions; it can't move money. Your transactions are never used to train AI, and there are no advertising or credit-offer partners looking at your data.
Never google a mystery charge again.
Skycopia reads your bank history and names every recurring charge — including the ones hiding behind cryptic statement codes — then flags the duplicates, price hikes, and zombie rebills for you. Free audit, no credit card.
One user's own audit flagged $19,207/yr — real numbers, July 2026. Yours will vary; that's the point.
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