An Altitude Processing charge on a bank statement may appear as a recurring debit, ACH withdrawal, remotely created check, or check-like transaction. Federal authorities alleged that Altitude Processing Inc., also doing business as Clear Marketing Agency, was used to make unauthorized withdrawals from consumers’ and small businesses’ bank accounts.
The amount described most often in the federal complaint was $99 per month. The transactions were primarily alleged bank-account withdrawals rather than ordinary credit-card purchases. Contact your bank or credit union promptly if you do not recognize an Altitude Processing, Clear Marketing Agency, ACH, or check transaction.
What Is the Altitude Processing Charge?
Altitude Processing Inc. was a Florida company that was described as doing business under the name Clear Marketing Agency.
According to a federal civil complaint, the operation purported to provide online marketing or business-listing services. The Justice Department alleged that many consumers and small businesses charged by Altitude Processing:
- Had not signed up for its services
- Had not authorized the withdrawals
- Had not received online marketing services
- Did not know how the company obtained their bank information
- Were charged repeatedly before discovering the transactions
- Were sometimes promised refunds that were not fully provided
The federal case focused primarily on bank accounts belonging to individuals and small businesses.
Why Does Altitude Processing Appear on My Bank Statement?
An Altitude Processing entry may appear because a transaction was submitted using the company’s name or one of its associated business names.
Possible wording can include:
- ALTITUDE PROCESSING
- ALTITUDE PROCESSING INC
- CLEAR MARKETING AGENCY
- ALTITUDE PROCESSING CHECK
- ALTITUDE PROCESSING ACH
- ACH DEBIT ALTITUDE PROCESSING
- CHECK ALTITUDE PROCESSING
- RECURRING ALTITUDE PROCESSING
- ALTITUDE PROCESSING $99
The bank may display a check number, ACH company information, transaction trace number, processing date, or abbreviated merchant wording instead of the complete company name.
Was Altitude Processing a Credit Card Charge?
The strongest verified information concerns withdrawals from checking and bank accounts, not conventional credit-card purchases.
The federal complaint described two primary methods:
- Remotely created checks: Checks created by a third party using an account holder’s name, address, routing number, and account information without the ordinary handwritten signature.
- ACH debits: Electronic withdrawals submitted through the Automated Clearing House system.
If your statement categorizes the transaction as a debit-card purchase or credit-card charge, ask the issuer for the underlying transaction type. The expanded record may reveal that it was actually processed as an ACH entry, electronic check, or check image.
Why Was the Altitude Processing Debit $99?
The Justice Department’s civil complaint alleged that victims were commonly charged $99 per month.
A single $99 withdrawal could be:
- The first transaction discovered
- One payment in a series of monthly debits
- A remotely created check
- An ACH withdrawal
- A transaction described as an online marketing fee
- An unauthorized debit
Review earlier statements carefully. Some reported victims allegedly discovered several $99 withdrawals extending back for months.
What Was Clear Marketing Agency?
The federal complaint identified Altitude Processing as doing business as Clear Marketing Agency.
The operation allegedly claimed to provide services such as:
- Online marketing
- Internet business listings
- Customer or student leads
- Online promotional services
Federal authorities alleged that many charged businesses never requested or received those services.
If your bank statement, check image, telephone record, or correspondence contains Clear Marketing Agency, compare it with any Altitude Processing withdrawals.
What Is a Remotely Created Check?
A remotely created check is prepared by someone other than the account holder using the account holder’s banking information.
Unlike an ordinary check, it may not contain the account holder’s handwritten signature. Instead, it may include printed wording claiming that the customer authorized the payment.
If an unfamiliar check appears:
- Ask the bank for an image of the front and back of the check.
- Ask whether it was classified as a remotely created check.
- Review the printed authorization wording.
- Compare the name, address, amount, and check number.
- Tell the bank if you did not authorize it.
- Ask what affidavit or written dispute form is required.
CFPB advises contacting the bank or credit union as quickly as possible after discovering an unauthorized check.
What Is an Altitude Processing ACH Debit?
An ACH debit is an electronic withdrawal from a checking or savings account.
Ask the bank to provide:
- The complete ACH company name
- The ACH company identification number
- The SEC or transaction code
- The ACH trace number
- The effective date
- The amount
- Whether it was labeled recurring
- Any authorization information supplied by the originator
Tell the bank clearly when you did not authorize the debit or receive the claimed service.
How to Verify an Altitude Processing Transaction
- Copy the complete transaction wording exactly as shown.
- Record the amount, transaction date, posting date, and transaction type.
- Check whether the amount is $99 or another recurring amount.
- Review earlier statements for additional Altitude Processing or Clear Marketing Agency entries.
- Ask employees, bookkeepers, partners, and authorized account users.
- Search business email for Altitude Processing, Clear Marketing Agency, online marketing, business listing, invoice, authorization, and $99.
- Ask the bank whether the transaction was a check, electronic check, ACH debit, card payment, or other withdrawal.
- Request a copy of the check image or complete ACH record.
- Ask the bank for any proof of authorization submitted by the originator.
- Preserve statements, check images, bank messages, and call notes.
- Report the transaction promptly if no authorized agreement explains it.
What Happened to Altitude Processing?
Florida corporate records currently list Altitude Processing Inc. as inactive. Its historical corporate-record address was:
4965 Southwest 12th Street
Margate, FL 33068
This address is provided only as a historical identification clue. It should not be treated as:
- A current customer-service office
- A refund department
- A walk-in business location
- A confirmed destination for dispute letters
The prior version of this article listed 800-832-0729. ChargeOnMyCard.com could not independently verify that number as a current or official support channel. Do not provide bank credentials or personal information to an unverified caller.
What Did the Justice Department Allege?
In a civil complaint, the U.S. Department of Justice alleged that a network of people and companies used Altitude Processing and Clear Marketing Agency as part of a scheme involving recurring unauthorized bank-account withdrawals.
The allegations included:
- Obtaining victims’ banking information without consent
- Creating unauthorized remotely created checks
- Submitting ACH debits
- Charging approximately $99 monthly
- Claiming that the withdrawals paid for online marketing services
- Creating purported authorization records
- Operating a customer-service call center
- Promising some refunds to reduce complaints
- Using low-value transactions to disguise unusually high return rates
These were government allegations contained in the complaint.
What Was the Outcome of the Federal Civil Case?
In February 2025, the Justice Department announced that a federal court had completed a series of consent decrees permanently prohibiting 10 individuals and entities from:
- Charging accounts without authorization
- Disguising the nature of transactions
- Evading fraud and risk-monitoring systems
- Artificially reducing chargeback or return rates
- Assisting others with those activities
The Justice Department states that the consent decrees do not constitute admissions of guilt by the defendants.
Read the official Justice Department permanent-injunction announcement.
Are There Current Criminal Cases?
The Justice Department currently lists pending criminal cases involving alleged payment-processing activity and names including Altitude Processing and Clear Marketing Agency.
Criminal charges are allegations. Defendants are presumed innocent unless proven guilty in court.
People who believe they may have been affected can review the official DOJ victim-notification and case-information page.
How to Dispute an Altitude Processing Bank Debit
- Contact the bank or credit union immediately.
- State that you do not recognize or authorize the Altitude Processing transaction.
- Identify every related withdrawal, not only the most recent one.
- Ask whether each transaction was an ACH debit or check.
- Request the appropriate unauthorized-transaction affidavit.
- Ask whether written confirmation is required.
- Request copies of the check images or ACH records.
- Ask whether temporary credit is available during the investigation.
- Ask what reporting deadline applies to each transaction.
- Keep confirmation numbers and copies of every submission.
CFPB advises reporting unauthorized withdrawals promptly. Delaying can affect available protections, particularly when additional transactions occur after an earlier statement was sent.
How to Stop Future Withdrawals
Ask the bank whether it can:
- Place a stop-payment order against the originator
- Block the ACH company ID
- Reject future remotely created checks
- Flag the account for additional review
- Replace the bank-account number
- Close and reopen the account when necessary
Stopping one transaction may not block another transaction submitted under a different company name, ACH company ID, or check number.
Review the CFPB’s automatic-payment and stop-payment guidance.
What If the Bank Says the Withdrawal Was Authorized?
Ask the bank for the evidence it relied upon.
Request:
- The alleged authorization form
- The date and method of authorization
- The telephone recording, if one is claimed
- The internet address or signup record
- The email address connected with the account
- The service contract
- The ACH record or check image
- The investigation findings in writing
Compare the information carefully with your business name, address, telephone number, email address, signature, and authorized personnel.
If information is false or does not belong to you, notify the bank in writing and retain copies.
What If Altitude Processing Promised a Refund?
The federal complaint alleged that some people were promised refunds after reporting unauthorized transactions but did not always receive all promised amounts.
If you previously spoke with a representative:
- Save the telephone number called.
- Record the call date and representative name.
- Preserve refund confirmation emails.
- Compare the promised amount with the actual credit.
- Tell the bank when the promised refund was not received.
- Include the promise in any government report or victim statement.
Do not provide new bank-account information or make another payment to obtain a refund.
How to Report Altitude Processing
- Your bank or credit union: Report every unrecognized transaction immediately.
- Federal Trade Commission: ReportFraud.ftc.gov
- Consumer Financial Protection Bureau: Submit a CFPB complaint
- Justice Department case information: Review current DOJ victim information
Provide only information requested through verified government or financial-institution channels.
Watch Out for Fake Refund or Recovery Calls
People affected by unauthorized withdrawals can be targeted again by callers claiming to represent a bank, government agency, receiver, refund department, or recovery service.
Never provide an unexpected caller with:
- Your complete bank-account number
- Your online banking username or password
- Your debit-card PIN or CVV security code
- A one-time verification code
- Remote access to your computer
- A fee to release a refund
- Gift-card numbers or cryptocurrency
Contact the bank using the number on its official website, statement, or payment card.
Consumer Reports and Experiences
There are currently zero visible cardholder or bank-account reports on this ChargeOnMyCard.com page.
No visitor has supplied:
- A transaction amount
- A check image
- An ACH company ID
- A Clear Marketing Agency variation
- A bank-investigation result
- A refund outcome
- A final dispute resolution
ChargeOnMyCard.com is an independent informational website. It cannot access bank accounts, stop ACH debits, cancel checks, identify private account details, issue refunds, act as the government receiver, or submit disputes.
Frequently Asked Questions About Altitude Processing
What is Altitude Processing on my bank statement?
It may identify a bank-account debit, ACH withdrawal, or remotely created check associated with Altitude Processing Inc. or Clear Marketing Agency.
Why was I charged $99?
The federal complaint alleged that victims were commonly charged $99 per month for purported online marketing services they said they did not authorize or receive.
Is Altitude Processing still active?
Florida corporate records currently list Altitude Processing Inc. as inactive.
What is Clear Marketing Agency?
The Justice Department identified Clear Marketing Agency as a business name used by Altitude Processing in the alleged operation.
Was this a credit-card charge?
The federal allegations primarily involved bank-account debits through remotely created checks and ACH transactions. Ask the issuer for the actual transaction type shown in its processing records.
What is a remotely created check?
It is a check created by a third party using an account holder’s banking information rather than an ordinary check personally written and signed by the account holder.
Is 800-832-0729 current Altitude Processing support?
That number appeared in the older version of this article, but it could not be independently verified as a current official support number. Contact the bank rather than providing account information to an unverified caller.
Did the defendants admit wrongdoing?
No. The Justice Department states that the civil consent decrees do not constitute admissions of guilt.
Were permanent injunctions entered?
Yes. DOJ announced in February 2025 that the court had completed permanent consent injunctions restricting unauthorized debits and related conduct.
How do I stop another payment?
Ask the bank about a stop-payment order, ACH company-ID block, check restriction, or account-number replacement.
Can ChargeOnMyCard.com refund the money?
No. ChargeOnMyCard.com cannot access bank accounts, reverse withdrawals, issue refunds, or act for the Justice Department.
Should I dispute the transaction?
Contact the bank promptly when neither you nor another authorized person approved the transaction or received the claimed service.
Related Charge Guide
Do not use unrelated Sapnay Ltd, CSC Service Works, CTM Group, security, retail, cashback, or school-payment links on this page.
Help Other Account Holders
If you saw ALTITUDE PROCESSING, CLEAR MARKETING AGENCY, a $99 debit, an ACH withdrawal, or a remotely created check, please share what appeared on the statement and how the bank handled it.
Helpful details include the complete descriptor, general amount, transaction type, whether it repeated, the ACH company name, whether the bank supplied a check image, and the final dispute or refund result.
Do not post complete account numbers, routing numbers, check images, signatures, business tax numbers, ACH trace numbers, passwords, PINs, or one-time security codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing card, ACH, electronic-check, remotely created check, recurring-debit, payment-processor, and bank-statement descriptions using current government records, official company filings, statement clues, enforcement actions, and visible account-holder reports.
We distinguish allegations in federal complaints, court-ordered consent injunctions, pending criminal charges, inactive corporate records, and verified consumer guidance. Readers should confirm their particular transaction with their financial institution.
Last reviewed: July 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with Altitude Processing Inc., Clear Marketing Agency, any individual or entity named in a civil or criminal case, the U.S. Department of Justice, the Federal Trade Commission, the Consumer Financial Protection Bureau, any bank, credit union, payment processor, account holder, card network, or financial institution. Allegations in civil complaints and criminal charging documents are not findings of guilt. Consent decrees may resolve civil matters without an admission of wrongdoing. This article is provided for informational purposes only and is not financial, legal, banking, law-enforcement, recovery, refund, dispute, or fraud advice. Contact your financial institution and the appropriate government agency regarding a specific transaction.
