Timber and Oaks is a furniture retailer that appears on your statement under that name or a processor name
When you see "Timber and Oaks" on your credit card bill, you bought furniture from them — either in a store, online, or through a third-party marketplace. The charge itself is straightforward: it is the price you agreed to pay for the items you received or ordered.
The confusion usually comes from one of three places: the charge appeared without a purchase you remember making, the amount is different from what you expected, or the name on your statement looks slightly different from "Timber and Oaks" itself. Each has a different fix.
Key Takeaways
- Timber and Oaks charges on your statement reflect furniture purchases made directly from the retailer or through an authorized seller.
- The charge may appear under a different name if processed through a payment processor, marketplace, or third-party vendor — check your order confirmation email to match it to the right purchase.
- If you do not recognize the charge, contact Timber and Oaks customer service with your order number or the transaction date before disputing it with your card issuer.
- Disputed charges take 30 to 90 days to resolve through your bank, so reaching the merchant first often gets the issue fixed faster.
Why the charge name might look different from what you expected
Timber and Oaks may process payments through a third-party payment processor, which means the name on your statement could be the processor's name instead of "Timber and Oaks" directly. Common processor names include Stripe, Square, or the name of the marketplace if you bought through Amazon, Wayfair, or another platform. Your order confirmation email will show you exactly which merchant charged you and for what.
If you bought through a reseller or authorized dealer, the charge might show that seller's name instead. Pull up the confirmation email from your inbox — it will list the merchant name, the items, the amount, and the order number. That email is your proof of what you purchased and from whom.
How to check if a Timber and Oaks charge is legitimate
Start by searching your email for "Timber and Oaks" or the processor name that appears on your statement. Look for an order confirmation with a date close to when the charge posted to your card. The confirmation should list the items, the total amount, and an order number.
If you find the confirmation and the amount matches, the charge is legitimate — it is just taking time to post or was processed under a different name than you expected. If you cannot find a confirmation, or if the amount is wrong, contact Timber and Oaks customer service before disputing the charge with your bank. Have your card number (last four digits), the transaction date, and the amount ready when you call.
What to do if you do not recognize the charge
Do not dispute it with your credit card company when ready. Call Timber and Oaks first — they can tell you in minutes whether the charge belongs to you, and if it does not, they can often reverse it without involving your bank. Their customer service line is the fastest way to resolve this. Have your statement in front of you and be ready to describe the charge date and amount.
If Timber and Oaks confirms the charge is fraudulent (meaning someone used your card without your permission), ask them to cancel any associated order and reverse the charge. Then contact your credit card issuer to report the fraud. Your card issuer may issue you a new card and open a fraud investigation, which typically takes 30 to 90 days.
Disputed charges and how long they take to resolve
If you dispute a charge directly with your credit card company without contacting the merchant first, your bank will open an investigation. During that time, the charge stays on your statement, but your bank may credit the amount back to you temporarily while they investigate. The investigation itself takes 30 to 90 days, depending on your bank and the complexity of the case.
Contacting Timber and Oaks first almost always resolves the issue faster. If they reverse the charge on their end, it will fall off your statement within one to three billing cycles. If you have already disputed it with your bank, let your bank know that the merchant has resolved it — this can speed up the closure of the dispute.
Charges for orders placed but not yet delivered
Timber and Oaks may charge your card when you place an order, not when it ships. This is standard for most furniture retailers because items are often made to order or held in a warehouse. Your order confirmation email will tell you the expected delivery date. If that date has passed and you have not received the furniture, contact their customer service with your order number.
If you changed your mind and want to cancel the order, do so as soon as possible — many retailers allow cancellations within a short window after purchase, sometimes 24 to 48 hours. After that window, you may be charged a restocking fee or be unable to cancel at all. Check your order confirmation for the cancellation policy, or call customer service to ask.
Recurring charges and subscription furniture services
Some furniture retailers offer subscription or rental programs where you pay monthly for furniture use. If you signed up for one of these and forgot about it, you may see recurring Timber and Oaks charges on your statement. Check your confirmation email or log into your account on their website to see if you have an active subscription.
To cancel a subscription, log into your account online or call customer service. Do not just dispute the charge — disputing without canceling the subscription means the charge will come back next month. Once you cancel, confirm that the subscription status shows as inactive before your next billing date.
Frequently Asked Questions
Can I get a refund if I return the furniture?
Yes, but the timeline depends on Timber and Oaks' return policy and how quickly you ship the item back. Most furniture retailers require you to initiate the return within 30 days of delivery. Once they receive and inspect the returned item, they issue a refund — this can take one to two weeks after receipt. Check your order confirmation or their website for the specific return window and process.
What if the charge posted twice?
Contact Timber and Oaks customer service when ready with your order number and statement. Duplicate charges happen occasionally due to payment processing errors. They can see your account and reverse the duplicate charge directly, which is much faster than disputing it with your bank. Have your confirmation email ready so you can confirm the order number.
How do I know if my card information was stolen?
If you see a Timber and Oaks charge you did not make, and you have not used your card there before, it could indicate fraud. Check your full statement for other unfamiliar charges. If you find multiple charges you did not authorize, contact your credit card issuer when ready to report fraud and request a new card. They will investigate and may reverse all fraudulent charges.
Can I change the amount I was charged?
No — once a purchase is complete, you cannot change the amount. If the charge is higher than you expected, check your order confirmation to see if you added items, selected expedited shipping, or agreed to taxes and fees that were not obvious at checkout. If the amount is genuinely wrong, contact Timber and Oaks with your order number and they can investigate.
What if Timber and Oaks will not reverse a charge I dispute?
If the merchant refuses to reverse the charge and you believe it is fraudulent or unauthorized, file a dispute with your credit card issuer. Provide them with any documentation — your order confirmation, emails with the merchant, or proof that you cancelled the order. Your bank will investigate and may reverse the charge if they find in your favor, though this takes 30 to 90 days.