Has your Facebook ad account suddenly been charged without a clear reason? Many advertisers have faced situations where Facebook deducts money, leaving them confused and worried. This guide will help you check why Facebook is charging your account and provide steps to protect your account and payment details from unnecessary losses.

1. Facebook Deducting Ad Charges Without a Clear Reason

Many advertisers experience unexpected deductions from their Facebook ad accounts without understanding why. This can be concerning, especially for new users who don’t know how to handle the situation.

Here are some common signs of unclear charges:

• Sudden deductions – Facebook charges your account unexpectedly, even though you haven’t reached the payment threshold or billing date.
• No invoice ID – When checking your transaction history, there is no invoice ID that matches the deducted amount.
• Multiple charges – You’ve already paid for ads, but Facebook deducts another amount right after.

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This can be frustrating, but don’t worry! Below are the common reasons for these deductions and how to check them.

2. Causes and How to Check

There are several reasons why Facebook might be charging your ad account unexpectedly. Let’s go through some of the most common causes and how you can verify them.

2.1. Card Information Leaked

One of the most common causes is compromised card details. If someone gains access to your Visa/Mastercard details (card number, expiration date, CVV), they can make unauthorized transactions, including paying for Facebook ads without your knowledge.

How to check and prevent this:

• Avoid saving your card details on untrusted websites or browsers.
• Keep track of all accounts where you have added your card.
• Regularly review your bank statements to spot any unauthorized charges.
• Contact your bank immediately if you suspect fraudulent activity and request a card replacement if necessary.

2.2. Ad Account Hacked

If someone gains access to your ad account or takes control of it, they may create and run ad campaigns, causing unauthorized charges to your account.

What to do if your account is hacked:

• Immediately lock your payment card to prevent further unauthorized charges.
• Try to recover your hacked account as soon as possible.
• If recovery is unsuccessful, report the issue to Facebook and request them to disable the compromised account.
• Log into your ad account and review all active campaigns to ensure no unauthorized ads are running.
• Check if your bank card is linked to any other Facebook ad accounts. If so, verify that they belong to you or someone you trust.

2.3. Account Placed on Hold

Facebook has a feature called “hold,” where a certain amount is pre-deducted before running ads. This hold amount will not appear with an invoice ID in your transaction history. The hold amount is usually equivalent to your account’s billing threshold.

How to recognize a hold:

• Small amounts are deducted in separate transactions.
• Facebook typically refunds the held amount back to your account.
• If your account is on hold, consider whether you want to continue using it or switch to another account.

2.4. System Errors

Although rare, Facebook may experience system errors that result in incorrect ad charges.

How to check:

• Compare invoices: Carefully review your bank statement against the invoices in your Facebook ad account.
• If you notice a charge that does not match an invoice from Facebook, be cautious and report it immediately.

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3. How to Handle Unauthorized Charges

If you discover unexpected ad charges, take the following steps to prevent further losses:

3.1. Lock Your Card Immediately

This is the first and most crucial step. Locking your card will prevent Facebook from deducting any more money.

3.2. Contact Your Bank

Call your bank to report unauthorized transactions and request assistance.

• Permanently block your card: If you suspect your card details were leaked, ask your bank to cancel the card and issue a new one.
• Dispute the transaction: Provide the bank with transaction details, including date, amount, and description of the unauthorized charge.
• Request a refund (if applicable): Some banks may offer chargeback services if you can prove the transaction was unauthorized.

3.3. Report the Issue to Facebook

In addition to contacting your bank, inform Facebook about the issue.

• Go to the Help Center: Log into your ad account and navigate to the “Help Center” or “Support & Help” section.

• Use live chat or email support: If no relevant solutions are found, contact Facebook support via chat or email and explain your issue.

Tip: Provide all relevant details and proof of unauthorized transactions to help Facebook investigate and resolve the issue effectively.

4. How to Protect Your Account and Card

To prevent unauthorized charges on your account, apply the following security measures:

4.1. Do Not Save Card Information in Browsers

Although autofill features can save time, they also pose security risks. If your computer is compromised, hackers can easily access your card details.

• Disable Auto-Save: Go to your browser settings and turn off the auto-save feature for payment details.
• Delete Saved Information: If you have previously saved your card details, remove them immediately.
• Use a Password Manager: Consider using a trusted password manager to securely store your payment information.

4.2. Secure Your Account

Protect your Facebook and banking accounts from hackers.

• Use a Strong Password: Your password should be at least 12 characters long, including uppercase and lowercase letters, numbers, and special symbols. Avoid using easily guessed information such as your birthdate or pet’s name.
• Enable Two-Factor Authentication (2FA): Turn on 2FA to add an extra layer of security. Each time you log in, you will need to enter a verification code sent to your phone or email.

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4.3. Regularly Monitor Your Transactions

Frequently check your Facebook ad billing and invoices to detect any suspicious activity early.

• Regularly review your ad account activities. If you notice anything unusual, investigate further.
• Whenever you receive a charge notification, verify that the amount deducted corresponds to your actual ad spending.
• If you spot any suspicious transactions, immediately contact your bank for assistance.

4.4. Manage and Control Your Accounts

If you use multiple ad accounts and payment cards, set up a management system to track and control spending.

• Categorize Cards: Use separate cards for different purposes (e.g., one card for Facebook ads and another for personal expenses).
• Keep Detailed Records: Maintain a record of all your ad accounts and linked bank cards, including account numbers, expiration dates, and CVV codes. This makes it easier to track expenses and verify transactions.
• Utilize Management Tools: Consider using financial management software or ad management tools to monitor spending and campaign performance.

5. Conclusion

If Facebook deducts ad charges unexpectedly, carefully review your account to take immediate action and prevent further losses. However, you can avoid such incidents by securing your account, safeguarding your payment information, monitoring ad expenses, and understanding potential risks to handle them effectively.

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