Oct 01, 2025 to Sep 30, 2026 ยท 425 transactions from 5 file(s)
| Issue | Merchant | What we saw | Up to / yr |
|---|---|---|---|
| Possible duplicate charge | Rocky Mtn Pipe Supply | Charged $412.60 on Jul 08 and again on Jul 09, 2026. If you were only billed once for this, ask for a refund. | $412.60 once |
| Price increase | Jobber | Went from $69.00 to $89.00/mo (+29%) starting Jun 21, 2026. Ask for the old rate or a cheaper plan. | $240.00 |
| Overlapping tools | Dropbox + Google One | You pay for Google One ($9.99/mo) and Dropbox ($19.99/mo). Both do cloud storage. Keeping one could save up to $239.88 a year. | $239.88 |
| Overlapping tools | GoToMeeting + Zoom | You pay for GoToMeeting ($14.00/mo) and Zoom ($15.99/mo). Both do video meetings. Keeping one could save up to $191.88 a year. | $191.88 |
| Bank or card fee | Monthly account service fee | 12 charge(s) totaling $180.00 (checking-jul-sep-2026, checking-oct2025-jul2026; latest: Jun 25, Jul 25, Aug 25, Sep 25). Ask the bank to waive it (minimum balance or business package), or move to an account without it. | $180.00 |
| Free trial turned paid | Canva | Started with a $1.00 trial on Mar 02, 2026; paid charges began Apr 01, 2026 ($14.99/mo). Make sure you meant to keep it. | $179.88 |
| Bank or card fee | Overdraft fee | 2 charge(s) totaling $70.00 (checking-oct2025-jul2026; latest: Feb 24, Feb 26). Ask for a courtesy refund and set a low-balance alert or overdraft protection from savings. | $70.00 |
| Bank or card fee | Foreign transaction fee | 1 charge(s) totaling $2.38 (chase-ink-card-oct2025-sep2026; latest: May 12). Use a card with no foreign transaction fees for overseas vendors. | $2.38 |
Savings are the most you could save if you cancel or fix each item, not a promise. Some items may be on purpose.
Up to $1,104.02 a year if you cancel or fix every flagged item, plus up to $412.60 in one-time refunds to request for possible duplicate charges. It is an upper bound based on your exports, not a guarantee. Some charges may be on purpose.
| Expected | Merchant | Amount | How often |
|---|---|---|---|
| Tue Oct 20 | ADT Security | $147.00 | quarterly |
| Thu Oct 29 | Namecheap | $64.99 | yearly (guessed from description) |
| Sun Nov 08 | HomeAdvisor / Angi | $347.88 | yearly (guessed from description) |
Dates are estimates from your past charges. Cancel before the date if you no longer need it.
| Software | Category | Cost | Per year | Last charged |
|---|---|---|---|---|
| QuickBooks | Accounting | $90.00/mo | $1,080.00 | Sep 09, 2026 |
| Jobber | Field service / job management | $89.00/mo | $1,068.00 | Sep 21, 2026 |
| Mailchimp | Email marketing | $45.00/mo | $540.00 | Sep 09, 2026 |
| Google Workspace | Email & office suite | $36.00/mo | $432.00 | Sep 05, 2026 |
| RingCentral | Business phone system | $34.99/mo | $419.88 | Sep 25, 2026 |
| Dropbox | Cloud storage | $19.99/mo | $239.88 | Sep 06, 2026 |
| Zoom | Video meetings | $15.99/mo | $191.88 | Sep 03, 2026 |
| Canva | Design tools | $14.99/mo | $179.88 | Sep 01, 2026 |
| GoToMeeting | Video meetings | $14.00/mo | $168.00 | Sep 11, 2026 |
| Google One | Cloud storage | $9.99/mo | $119.88 | Sep 18, 2026 |
| Norton | Antivirus / security software | $99.99/yr | $99.99 | Feb 14, 2026 |
| Namecheap | Domain names | $64.99/yr | $64.99 | Oct 29, 2025 |
| Merchant | Category | How often | Typical | Per year | Charges | Last | Next expected |
|---|---|---|---|---|---|---|---|
| Rent Kipling St Shop | Rent | monthly | $2,400.00 | $28,800.00 | 12 | Sep 01 | Nov 01 |
| Pinnacle Fleet Leasing | Vehicle lease | monthly | $549.00 | $6,588.00 | 12 | Sep 14 | Nov 14 |
| State Farm | Insurance | monthly | $412.50 | $4,950.00 | 12 | Sep 08 | Nov 08 |
| T-Mobile | Phone & internet | monthly | $185.00 | $2,220.00 | 3 | Sep 26 | Oct 26 |
| QuickBooks | Accounting | monthly | $90.00 | $1,080.00 | 3 | Sep 09 | Nov 09 |
| Jobber | Field service / job management | monthly | $89.00 | $1,068.00 | 12 | Sep 21 | Oct 21 |
| ADT Security | Alarm & monitoring | quarterly | $147.00 | $588.00 | 4 | Jul 20 | Oct 20 |
| Mailchimp | Email marketing | monthly | $45.00 | $540.00 | 12 | Sep 09 | Nov 09 |
| Google Workspace | Email & office suite | monthly | $36.00 | $432.00 | 3 | Sep 05 | Nov 05 |
| RingCentral | Business phone system | monthly | $34.99 | $419.88 | 12 | Sep 25 | Oct 25 |
| HomeAdvisor / Angi | Lead services & memberships | yearly (guessed) | $347.88 | $347.88 | 1 | Nov 08 | Nov 08 |
| Dropbox | Cloud storage | monthly | $19.99 | $239.88 | 12 | Sep 06 | Nov 06 |
| Zoom | Video meetings | monthly | $15.99 | $191.88 | 12 | Sep 03 | Nov 03 |
| Canva | Design tools | monthly | $14.99 | $179.88 | 6 | Sep 01 | Nov 01 |
| GoToMeeting | Video meetings | monthly | $14.00 | $168.00 | 12 | Sep 11 | Nov 11 |
| Google One | Cloud storage | monthly | $9.99 | $119.88 | 12 | Sep 18 | Oct 18 |
| Norton | Antivirus / security software | yearly (guessed) | $99.99 | $99.99 | 1 | Feb 14 | Feb 14 |
| Namecheap | Domain names | yearly (guessed) | $64.99 | $64.99 | 1 | Oct 29 | Oct 29 |
Generated Oct 15, 2026 01:06 AM MDT by Agent Army Suite. Drafts wait for your approval; nothing was sent automatically unless your policy allows it.
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