That charge is not from us

Seeing “MOBEGEO … SANT CUGAT DE” on your bank or card statement?

You've probably found this page because a company called MOBEGEO is taking money from your card every month and you can't find them. We are MobGeo, a South African business communication company — a different company with a confusingly similar name. We have no connection to those charges and cannot refund them. But we can tell you who is billing you and exactly how to make it stop.

Who is actually billing you

The “MOBEGEO” statement descriptor

The billing name MOBEGEO (often with a code like #Y9ILN or #A07EP, and the location SANT CUGAT DE ES — Sant Cugat del Vallès, near Barcelona, Spain) is widely reported to be the card descriptor used by Mobefind, a phone-location website operating under domains such as mobefind.com and mobefind-ie.com.

Hundreds of people around the world describe the same pattern in public reviews: they paid a small once-off “trial” fee (typically R12, €0.50 or £0.90) to locate a lost phone, and were then billed a large recurring monthly subscription — commonly €35–€50 or the local equivalent — that they say was never clearly disclosed. You can read their accounts on Trustpilot.

Important: because you (or someone using your card) once entered the card details on their site, this is usually treated by banks as a disputed subscription, not stolen-card fraud. That distinction matters for how you report it — see the steps below.

Stop the charges

Do these four things, in this order

  1. Cancel with the merchant and demand a refund — in writing

    Go to the mobefind website (or the confirmation email you received after the trial payment) and cancel the subscription. Email their support address demanding cancellation and a refund. It may well be ignored — that's fine. You are creating a paper trail your bank will ask for. Keep copies.

  2. File a formal dispute (chargeback) with your bank

    Phone your bank or use its app, and insist on a formal dispute / chargeback of the recurring charges — not just a "fraud report". Say the words: "I am disputing a misleading recurring subscription. I authorised a once-off trial payment only. I have cancelled with the merchant and request a chargeback of all subscription charges." This is disputable under Visa and Mastercard rules even though the first small payment was authorised. Capitec clients: dispute via the app (transaction → dispute) or call 0860 10 20 43.

  3. Replace the card — and block the merchant

    Ask for a new card and specifically ask your bank to block future charges from this merchant and to make sure your new card number is not automatically passed on to merchants with recurring billing (card networks run "account updater" services that can otherwise let the charges follow your new card). If your banking app lets you disable online / card-not-present transactions, that is a useful extra lock.

  4. If your bank refuses to help, escalate

    In South Africa, complain to the National Financial Ombud Scheme (nfosa.co.za) — it's free. Elsewhere, use your country's banking ombudsman. You can also report the merchant at econsumer.gov, which handles cross-border consumer complaints.

Text you can send your bank

I wish to formally dispute recurring card charges from the merchant "MOBEGEO SANT CUGAT DE" (Sant Cugat del Vallès, Spain). I authorised a single small trial payment to a phone-location website (Mobefind / mobefind.com). I did not knowingly authorise a recurring subscription, which was not clearly disclosed. I have contacted the merchant in writing to cancel and request a refund. I request: 1. A chargeback of all recurring subscription charges from this merchant, on the grounds of a misleading / undisclosed recurring transaction. 2. A block on all future charges from this merchant. 3. A replacement card, with the new card number excluded from any automatic account-updater service that could pass it to this merchant.

Why bother with a formal dispute? Card networks track merchants' chargeback rates. Merchants whose customers file formal chargebacks in large numbers face fines and ultimately lose the ability to process cards. Angry emails — including to us — achieve nothing. Chargebacks are the mechanism that actually shuts this down.

For banks & investigators

We'll gladly help

MobGeo receives hundreds of misdirected complaints about these charges every month, from all over the world. If you are a bank, card network, regulator or journalist investigating the MOBEGEO / Mobefind billing operation, we are happy to confirm the volume and nature of the complaints we receive. Contact us here.