COBB 303 E Hawaii Charge: How to Cancel, Dispute, or Spot Fraud

A “COBB 303 E HAWAII” charge on your card statement is a payment to Cobblestone Auto Spa’s express car wash at 128 E. Hawaii Ave. in Nampa, Idaho.¹ If it’s a one-time amount, it’s a single wash. If the same charge keeps appearing month after month, it’s almost certainly Cobblestone’s unlimited wash membership, which auto-renews on the card on file until you cancel in writing.

The billing descriptor doesn’t match the street number because card networks file their own short descriptor; the physical location is 128 E. Hawaii Ave., at East Hawaii Avenue and 12th Avenue Road, open 7 AM to 9 PM.¹ Before doing anything else, check whether anyone with access to the card — a spouse, a teen driver, another authorized user — signed up for a plan at the kiosk. Memberships are easy to add during a wash, and the recurring charge sometimes catches the cardholder by surprise a month later.

Why the Charge Keeps Coming Back

Cobblestone’s unlimited wash plans give unlimited washes at any Cobblestone location for a flat monthly fee, billed automatically to the card used at sign-up on the same date each month.² The plan renews on its own and keeps renewing until it’s canceled. Promotional sign-up pricing also rolls over to the regular rate once the promotional period ends, so the dollar amount you see now may be higher than what you first agreed to.³

How to Cancel the Membership

Cobblestone requires cancellation requests in writing, submitted at least seven days before the next billing date.⁴ You have two main ways to do it:

Online, through Cobblestone.com: open the “Support” menu and choose “Manage My Plan.”⁵
By phone: the Nampa locations use (208) 400-5544. Cobblestone also lists 623-283-2323 for Arizona and 720-445-8600 for Colorado.¹⁵

Once your cancellation is processed, the membership stays active for the rest of the 30-day cycle you’ve already paid for. Cobblestone does not issue refunds or credits for partial months.³ The company states there are no hidden cancellation fees and no long-term commitment.²

Keep records. The Better Business Bureau has given Cobblestone an “F” rating, with a pattern of complaints that includes difficulty canceling memberships and unanswered calls to corporate support.⁶ Save screenshots of the online cancellation confirmation, note the date and time of any call, and keep copies of any emails. You may need them if the charge appears again and you have to escalate to your card issuer.

How to Dispute the Charge With Your Card Issuer

If the charge is unauthorized, or if Cobblestone refuses to cancel and keeps billing you, dispute it through your card company or bank. Under the Fair Credit Billing Act, you must notify your issuer of a billing error within 60 days of the statement date on which the charge first appeared.⁷

Start by calling the number on the back of your card. Then follow up with a written dispute letter to the issuer’s billing-inquiry address, which is not the same as the payment address.⁸ Include your name, account number, the amount and date of the charge, and a short explanation of why you believe it’s an error. Send it by certified mail with a return receipt.

Once your issuer receives the written notice, it must acknowledge the dispute within 30 days and resolve it within two complete billing cycles, no more than 90 days.⁷ While the investigation is open, you can withhold payment on the disputed amount, and the issuer cannot report you as delinquent for that amount, pursue collection, or close your account over it.⁸ You still have to pay the rest of your bill as usual.

Federal law caps your liability for unauthorized credit card charges at $50, and many issuers add a zero-liability policy on top of that.⁸ If the dispute isn’t resolved to your satisfaction, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.⁹

When the Charge Might Signal Fraud

If nobody in your household has been near a Cobblestone wash in Idaho, treat the charge as a possible sign your card number has been compromised. Fraudsters often run a small test charge against a stolen number to confirm it works before making larger purchases.¹⁰ The FDIC has noted that even charges under a dollar can indicate a criminal is testing stolen account information.¹¹

Call your card issuer to block the card and request a replacement. You can also place a fraud alert with one of the three major credit bureaus, and that bureau will notify the other two: Equifax at 1-800-525-6285, Experian at 1-888-397-3742, or TransUnion at 1-800-680-7289.¹⁰ If you believe your identity has been stolen, the FTC’s recovery tool at IdentityTheft.gov will walk you through a step-by-step plan.

1
Cobblestone Auto Spa. Nampa – E Hawaii & 12th Ave Rd
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Cobblestone Auto Spa. Unlimited Wash Plans
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Cobblestone Auto Spa Zendesk. If I Cancel My Membership, Will I Receive a Refund
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Cobblestone Auto Spa Zendesk. What Are the Terms of Membership at Cobblestone Car Wash
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Cobblestone Auto Spa. The Benefits of a Monthly Car Wash Plan
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Denver7. Cobblestone Car Wash Has F Rating, Complaints With Better Business Bureau
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Consumer Financial Protection Bureau. Regulation Z – § 1026.13 Billing Error Resolution
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Federal Trade Commission. Using Credit Cards and Disputing Charges
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Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
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Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud
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Summit State Bank / FDIC. Small Charges