Analyze your bank statement

Upload PDF → see categorized spending, charts, subscriptions, and export to CSV. Free, 30 sec.

AI categorization
Spending charts
CSV & Excel export
Private & encrypted
Upload your PDF free →

No signup · deleted after analysis

← Back to blog
Reference

What Is HAC Hooked and Co Charge on a Bank Statement?

You spot a charge labelled "HAC" or "Hooked and Co" on your bank statement and have no idea what it is. Here's exactly what this charge means, how you probably signed up, and how to cancel or dispute it.

March 12, 2026 · 5 min read
What Is HAC Hooked and Co Charge on a Bank Statement?
Quick answer

HAC or "Hooked and Co" is a charge from a subscription-based lifestyle or fashion brand. It could be a clothing subscription box, an accessory membership, or an online retailer. This charge often catches people off guard because they signed up through a free trial, promotional offer, or influencer discount code that automatically converted to a recurring monthly payment.

What is HAC / Hooked and Co?

Hooked and Co (often abbreviated as HAC on bank statements) is a subscription-based service typically associated with fashion, apparel, accessories, or curated lifestyle products. They operate an online retail and subscription model, often through hookedandco.com or partner platforms.

The company acquires many of its customers through trial offers, social media advertising, influencer partnerships, and promotional discounts. The initial offer is usually deeply discounted or free (just pay shipping), but it auto-converts into a full-price monthly subscription if you don't cancel before the trial period ends — which is why so many people are surprised when the recurring charge appears.

How HAC / Hooked and Co appears on bank statements

Code on statementWhat it meansExample
HACA recurring charge from Hooked and Co — their abbreviated merchant name used by payment processorsHAC $19.99
HOOKED AND COThe full brand name appearing on your statement — a subscription or one-time purchaseHOOKED AND CO $29.99
HAC*HOOKEDA combined merchant code showing both the abbreviation and brand name — common with card processorsHAC*HOOKED $14.95
HOOKEDANDCO.COMAn online charge processed through the Hooked and Co websiteHOOKEDANDCO.COM $24.99

How you likely signed up for Hooked and Co

If you don't remember subscribing, the signup probably happened through one of these channels:

How to cancel Hooked and Co

1
Log into your account at hookedandco.com
If you have login credentials, sign in and look for a 'Cancel Subscription' or 'Manage Membership' option in your account settings. This is the fastest method if you can access your account.
2
Call their customer service line
Find the phone number on your bank statement (it's often printed next to the charge description) or on the Hooked and Co website. Call during business hours and ask to cancel immediately. They may offer a discount to keep you — insist on full cancellation.
3
Email a cancellation request
Send an email to their support address requesting immediate cancellation. Include your name, email address used at signup, and the last 4 digits of the card being charged. Ask for written confirmation of cancellation.
4
Save your cancellation confirmation
Whatever method you use, screenshot or save the confirmation email, reference number, or chat transcript. If they continue charging you after cancellation, you'll need this proof when filing a dispute with your bank.

How to dispute the charge with your bank

If Hooked and Co won't cancel or refund you — or if you believe the charge is unauthorized — you can file a chargeback dispute with your bank:

1
Gather your evidence
Collect your bank statement showing the charge(s), any cancellation confirmation you have, and screenshots of any misleading marketing materials or trial terms. The more documentation you have, the stronger your dispute.
2
Contact your bank or card issuer
Call the number on the back of your card or visit your bank's website to initiate a dispute. Tell them the charge is either unauthorized or that the merchant used deceptive billing practices (auto-converting a trial without clear disclosure).
3
Request a merchant block
Ask your bank to block all future charges from HAC or Hooked and Co. Some banks call this a 'stop payment' on recurring charges. This prevents them from charging you again even if they don't process your cancellation.
4
File a complaint if needed
If the charges were clearly deceptive, consider filing a complaint with the FTC (ftc.gov/complaint), the Better Business Bureau (BBB), or your state attorney general's consumer protection office. You have 60 days from the statement date to dispute under Regulation E.
Check your statement history

Subscription charges like HAC / Hooked and Co often run for several months before people notice. Scroll through your past 3–6 months of statements to see the total amount you've been charged. You may be able to dispute multiple months, not just the most recent charge.

Free tool · 30 seconds · No signup

Decode a HAC/Hooked and Co charge

Paste the full descriptor and AI tells you the likely merchant category and how to verify it. Free, no signup.

Identify the charge →See a sample report →

Better fit for this topic

Billing Descriptor Lookup →Unknown Charge Explainer →

Frequently asked questions

What is HAC Hooked and Co charge on my bank statement?
HAC or Hooked and Co is a charge from a subscription-based lifestyle or fashion brand. It typically appears when you have an active subscription for a clothing box, accessory membership, or curated product service. Many people see this charge after signing up for a promotional trial or limited-time offer that auto-converted to a recurring payment.
Why don't I remember signing up for Hooked and Co?
Hooked and Co subscriptions are often acquired through promotional offers, social media ads, influencer discount codes, or bundled trial offers. You may have entered your card details for a 'free' or heavily discounted first box that automatically converted to a full-price monthly subscription after the trial period ended.
How much does Hooked and Co charge per month?
Hooked and Co charges typically range from $14.95 to $49.99 per month depending on the subscription tier or product category. Common amounts include $19.99 and $29.99. Check your statement history to see how many months you've been charged and at what amount.
How do I cancel my Hooked and Co subscription?
You can cancel by logging into your account at hookedandco.com, calling their customer service number (found on your statement or their website), or emailing their support team. Always request written confirmation of cancellation. If you can't reach them, contact your bank to block future charges from this merchant.
Can I get a refund for HAC Hooked and Co charges?
You may be able to get a refund by contacting Hooked and Co directly and explaining you didn't intend to continue the subscription. If they refuse, file a chargeback dispute with your bank. Under the FTC's Negative Option Rule, companies must clearly disclose subscription terms before charging — if they didn't, you have strong grounds for a refund.
Is the HAC charge on my bank statement a scam?
HAC or Hooked and Co is a real company, not a fraudulent charge. However, their use of trial-to-paid subscription models is a common source of complaints. Many consumers feel misled because the recurring billing terms weren't made obvious at signup. If you genuinely never entered your card details anywhere, the charge could be unauthorized and you should dispute it immediately with your bank.
How do I stop HAC Hooked and Co from charging me again?
First, cancel directly with Hooked and Co and get written confirmation. If charges continue after cancellation, contact your bank to block all future transactions from that merchant. You can also request a new card number to ensure no further charges are processed. As a last resort, file a complaint with the FTC or your state attorney general.
Decoding every line on your statement by hand is slow. A bank statement analyzer reads the whole PDF in 30 seconds and labels every merchant automatically.
Other mystery charges explained
Amazon chargesApple.com/billNetflix / 121 Albright WaySP SpotifyUber / Uber EatsGoogle / 1600 AmphitheatreMSFT (Microsoft)POS chargesComenity PayTPG ProductsWMT Plus (Walmart)SQ (Square)
Continue readingView all posts →
Reference4 min read
What Is a Counter Deposit on a Bank Statement? — 2026
Counter deposit = money deposited at a bank teller's counter — cash, check, or money order handed to a bank employee at the branch. How it differs from counter credit, ATM, and mobile deposits, and what triggers it.
→
Reference6 min read
What Does Overdraft Mean on a Bank Statement? (2026 Guide)
An overdraft on your bank statement means you spent more than your available balance and the bank covered the difference — usually with a $30–$36 fee. See every overdraft code, why you got charged, and how to get the fee refunded.
→
Reference5 min read
What Does ACH Mean on a Bank Statement? (Credit, Debit & Returns Explained)
ACH stands for Automated Clearing House — the electronic network behind direct deposits, bill payments, and bank transfers. See what ACH credits, ACH debits, and ACH returns look like on your statement and why they appear.
→