A charge reading “Coyote Motorsports Denver” on your credit or debit card statement comes from Coyote Motorsports, a Yamaha powersports dealership at 301 East 57th Avenue in Denver, Colorado. The shop sells new and used motorcycles, ATVs, and snowmobiles, and also handles parts, accessories, apparel, and repair work.1Helmet House. Coyote Motorsports If the line item doesn’t ring a bell, the most likely explanations are a recent purchase, a deposit, a service invoice, or a transaction made by someone else on your account.
What the Charge Is Usually For
Coyote Motorsports has operated as a family-owned Yamaha dealer in Denver since February 2002 and also carries helmets and riding gear through its Helmet House relationship.1Helmet House. Coyote Motorsports A charge on your statement from this merchant typically reflects one of a few things:
- A down payment, deposit, or full payment on a motorcycle, ATV, or snowmobile.
- Labor and parts from a service or repair appointment, often billed when the work is completed rather than when you dropped the vehicle off.
- Helmets, apparel, aftermarket parts, or other accessories bought in-store or special-ordered.
- A credit card surcharge of up to two percent, which Colorado law allows merchants to add as long as it’s disclosed before the sale and listed as a separate line on the receipt.2Justia. Colorado Revised Statutes § 5-2-212
Why the Line on Your Statement Might Look Off
Card statements show a merchant descriptor, a short string of roughly 22 characters that combines a business name and location.3Shift4. Transaction Descriptors in Brief The Coyote Motorsports descriptor is reasonably clear, but a charge can still feel unfamiliar for ordinary reasons: a spouse or authorized user put something on the card, a parts order placed weeks earlier finally shipped and billed, or a service ticket closed out after you’d already forgotten the appointment.
The dollar amount can also look wrong by a small margin. A two percent surcharge, sales tax, or a split payment can push the total a few dollars above the price you remember agreeing to. If the gap is small and the timing matches a visit, that’s usually the explanation.
Confirm With the Dealer First
Before you treat the charge as fraud, call Coyote Motorsports at 303-293-8000 or check your email and the shop’s website at coyotemotorsports.com for an invoice or order confirmation.1Helmet House. Coyote Motorsports Ask the shop to look up the transaction by the date and amount on your statement. Also check with anyone else who uses the card. Many disputes resolve at this stage because the charge turns out to be a legitimate purchase by a family member or a service invoice billed later than expected.
How to Dispute the Charge if It’s Unauthorized
If no one on the account recognizes the transaction and the dealer has no record tied to you, treat it as potentially unauthorized. Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50.4Federal Trade Commission. Using Credit Cards and Disputing Charges
- Call your card issuer using the number on the back of the card and report the charge.
- Follow up in writing. Send a dispute letter to the billing inquiries address your issuer designates, not the payment address. Include your name, account number, the amount and date of the charge, and why you think it’s wrong. Certified mail with a return receipt gives you proof of delivery.5Federal Trade Commission. Disputing Credit Card Charges
- Act within 60 days. Your written notice must reach the issuer within 60 days of the date the first statement showing the charge was sent to you.6Consumer Financial Protection Bureau. Regulation Z § 1026.13
- Keep copies of your letter and any supporting documents. Don’t send originals.
Once your written notice arrives, the issuer has 30 days to acknowledge it and must resolve the dispute within two complete billing cycles, and in any case within 90 days.6Consumer Financial Protection Bureau. Regulation Z § 1026.13 While it investigates, it cannot try to collect the disputed amount, report that portion as delinquent, or close your account for exercising your dispute rights.4Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit card charges follow a different federal rule and shorter liability windows, so if the charge hit a checking account, call your bank promptly rather than relying on the credit card timelines above.
Colorado Options if the Dispute Stalls
If the dealer won’t cooperate and your card issuer’s investigation leaves you unsatisfied, Colorado residents can file a complaint with the Consumer Protection Section of the Colorado Attorney General’s Office through coag.gov/file-complaint. The office doesn’t represent individuals, but it uses complaints to spot patterns and can pursue investigations or lawsuits on behalf of the public.7Colorado Attorney General. File a Complaint Credit-specific issues go to Colorado’s Consumer Credit Enforcement Unit, which handles violations under the state’s Consumer Credit Code.8Colorado Attorney General. Consumer Protection For smaller disputes, Colorado’s small claims courts handle cases under $7,500.
One Colorado rule worth checking against your receipt: a credit card surcharge is legal only if the merchant posted clear signage and listed the surcharge as a separate line on the receipt, and surcharges on debit cards, cash, checks, or gift cards are not permitted at all.2Justia. Colorado Revised Statutes § 5-2-212 An undisclosed surcharge, or one applied to a debit transaction, is itself grounds for a complaint to the Consumer Credit Unit.