A BOMGAARS WINCHESTER 17 charge, BOMGAARS WINCHESTER 172 charge, or BOMGAARS WINCHESTER 17IN charge on a credit card, debit card, or bank statement most likely relates to Bomgaars store 172 in Winchester, Indiana.
The charge may represent an in-store purchase, online order, store-pickup order, gift card, farm or home supply, tool, clothing purchase, automotive item, pet product, or another retail transaction. The number and location do not identify the exact product or establish whether the cardholder authorized the payment.
What Is the BOMGAARS WINCHESTER 17 Charge?
The strongest match is Bomgaars store 172, a retail location in Winchester, Indiana.
The transaction may represent:
- An in-store retail purchase
- An online order picked up at the Winchester store
- A Bomgaars.com order connected with that location
- A farm, ranch, hardware, lawn, garden, automotive, pet, clothing, footwear, or tool purchase
- A gift card or loyalty-related transaction
- A purchase made by another authorized card user
- A pending authorization followed by a completed transaction
- A declined attempt that temporarily appeared in account activity
- An actual duplicate completed payment
- An unauthorized use of the card or payment information
The descriptor normally does not identify the product, receipt number, cashier, purchaser, card-entry method, or whether the transaction occurred in person or through an online order.
What Do 17, 172, and 17IN Mean?
Bomgaars officially identifies its Winchester, Indiana location as store 172.
Statement wording may appear as:
- BOMGAARS WINCHESTER 17
- BOMGAARS WINCHESTER 172
- BOMGAARS WINCHESTER 17IN
- BOMGAARS WINCHESTER IN
- BOMGAARS 172 WINCHESTER
The shorter `17` variation may be a truncated store number. The `IN` portion most likely identifies Indiana.
Banks and card networks have limited space for merchant descriptions and may remove spaces, punctuation, or the final character of a store number.
Does Winchester Mean Ammunition or a Firearm Purchase?
Not necessarily.
In this descriptor, Winchester most likely identifies the city of Winchester, Indiana, where Bomgaars store 172 operates.
Bomgaars is a broad farm, ranch, home, hardware, and general retailer. The Winchester store carries many types of merchandise, including:
- Farm and livestock supplies
- Pet food and pet products
- Hardware and tools
- Automotive supplies
- Lawn and garden products
- Workwear and footwear
- Outdoor and sporting goods
- Household and seasonal merchandise
A cardholder does not need to own a firearm or remember buying Winchester-brand merchandise for the store descriptor to appear.
Current Winchester Bomgaars Store Information
- Store: 172 – Winchester Bomgaars
- Address: 970 E Washington Street, Winchester, IN 47394
- Store telephone: 765-584-3683
- Official store page: Winchester Bomgaars store 172
- Official website: Bomgaars.com
How to Verify a BOMGAARS WINCHESTER Charge
- Copy the complete statement descriptor.
- Record the amount and transaction date.
- Determine whether the entry is pending, declined, reversed, or completed.
- Ask every authorized card user about recent Bomgaars purchases.
- Check paper and email receipts.
- Search email for Bomgaars, Winchester, order confirmation, pickup, receipt, return, and the exact amount.
- Review the Bomgaars online account and order history.
- Check guest orders using the official order-status tool.
- Check whether an online purchase was collected at store 172.
- Call the Winchester store and ask whether the payment can be matched to a transaction.
- Call website customer service when the transaction may involve Bomgaars.com.
- Ask the card issuer for the expanded merchant descriptor.
- Report the transaction promptly when no authorized purchase can be identified.
How to Check a Bomgaars Online Order
Bomgaars provides an order-status tool for registered and guest orders.
A guest-order lookup generally requires:
- The order ID
- The billing last name
- The email address or billing ZIP code
Official order lookup:
Also check:
- Order-confirmation emails
- Pickup-ready messages
- Shipping confirmations
- Cancellation emails
- Return and refund notices
Bomgaars Website Customer Service
For a possible Bomgaars.com order:
- Website customer service: 1-833-599-5081
- Hours currently listed: Monday–Thursday, 8 a.m.–5 p.m. Central; Friday, 8 a.m.–noon Central
- Contact page: Contact Bomgaars
- Comments and inquiries: Submit a Bomgaars inquiry
Use the Winchester store telephone number for a likely in-store transaction and website customer service for an online order.
Can a Bomgaars Order Be Canceled?
A completed retail purchase cannot normally be canceled like a subscription.
For an online order that has not completed processing:
- Locate the order number.
- Call Bomgaars website customer service promptly at 1-833-599-5081.
- Ask whether the order can still be canceled.
- Request a cancellation confirmation.
- Monitor any pending card authorization.
Once an order has shipped or been collected, a return may be required instead.
How to Request a Return or Refund
For an authorized purchase that needs to be returned:
- Locate the receipt or online order.
- Review Bomgaars’ current return policy.
- Determine whether the item was purchased in a store or online.
- Contact the Winchester store for a store purchase.
- Use the online return process for a Bomgaars.com order.
- Request and retain any return authorization number.
- Save the return receipt and shipping tracking.
- Ask how the refund will be issued.
- Monitor the original payment method for the credit.
Official policy:
Bomgaars return and exchange policy
Return eligibility and refund method can depend on the merchandise, purchase channel, payment method, condition, timing, and current policy.
What Is a Small BOMGAARS WINCHESTER Charge?
Some public reports have involved small amounts.
A small transaction may be:
- An ordinary low-cost retail purchase
- A pending card authorization
- A declined or reversed attempt
- A card-verification transaction
- An amount entered incorrectly
- An unauthorized test of stolen payment information
The amount alone does not establish which explanation applies.
Check whether the entry:
- Is pending or completed
- Disappears without settling
- Is followed by additional transactions
- Matches a receipt
- Was made while the card was physically in your possession
Contact the issuer promptly when no authorized purchase can be found, particularly if additional small charges appear.
What Is a Pending BOMGAARS WINCHESTER Charge?
A pending entry has not fully settled.
It may:
- Become the final completed purchase
- Update with a longer merchant description
- Disappear after a declined or canceled transaction
- Be replaced by the completed charge
Do not automatically count a pending transaction and its completed replacement as two settled charges.
A pending entry that you do not recognize should still be reported promptly, especially when the cardholder has never shopped at Bomgaars.
Why Are There Multiple Bomgaars Charges?
More than one entry may represent:
- Separate purchases
- An in-store purchase and an online order
- An order divided into multiple transactions
- A pending authorization and completed payment
- A declined attempt followed by an approved transaction
- A purchase and later refund
- An actual duplicate completed charge
- Repeated unauthorized attempts
Compare the amount, date, status, receipt, store location, and order history for each entry.
What If You Live Outside the United States?
Bomgaars currently states that Bomgaars.com does not ship internationally.
An overseas cardholder should investigate promptly when:
- No authorized user visited a Bomgaars store.
- No order was shipped to a valid U.S. address.
- No matching receipt or order exists.
- The charge is small or repeated.
- The bank flags the transaction as unusual.
Living outside the United States does not by itself prove unauthorized use. Someone may have used the card for a U.S. order or in-store transaction. The payment still needs to be verified through the merchant and financial institution.
What If You Never Shopped at Bomgaars?
- Save the complete descriptor, amount, and date.
- Ask all authorized card users.
- Search email for Bomgaars receipts or orders.
- Check whether the card is stored in an online retail account.
- Call Winchester store 172 at 765-584-3683.
- Ask Bomgaars website support whether an order can be located.
- Ask the issuer whether the transaction was card-present, online, keyed, or wallet-based.
- Lock the card if additional unexplained activity appears.
- Report the transaction promptly when no authorized purchase can be found.
- Ask whether the card number or payment token should be replaced.
Bomgaars is a legitimate retailer, but that does not establish that a particular transaction was authorized by the cardholder.
Credit Card Dispute Guidance
Contact the credit-card issuer promptly when:
- No authorized Bomgaars purchase can be identified
- The card was used without permission
- An actual duplicate completed payment remains unresolved
- The amount differs from the receipt
- Bomgaars cannot locate the transaction
- A canceled order was still completed and charged
- An approved refund does not appear
Keep receipts, order records, cancellation confirmations, return tracking, merchant responses, and refund documentation.
Official consumer guidance:
CFPB credit-card dispute guidance
Debit Card and Bank Account Guidance
Report an unauthorized debit-card or bank transaction immediately.
Ask the financial institution:
- Whether the transaction is pending or completed
- Whether another Bomgaars authorization is pending
- Whether the card was physically presented
- Whether the transaction was completed online
- Whether a digital wallet or payment token was used
- Whether future transactions can be blocked
- Whether the debit card should be replaced
Official consumer guidance:
CFPB unauthorized debit and bank-transaction guidance
Credit-card and debit-card dispute protections, procedures, and reporting deadlines differ.
Consumer Reports and Experiences
There are currently four visible public reports on this ChargeOnMyCard.com page.
One commenter reported two BOMGAARS WINCHESTER 17IN transactions in Mexican pesos totaling approximately MX$188.34.
A second commenter reported two pending Discover transactions for $4.41 and $10.97 and said the company was not recognized.
A third commenter reported an unfamiliar $2.57 payment.
A fourth commenter requested removal and a refund but did not supply the amount or complete descriptor.
The reports do not identify:
- A Bomgaars receipt or order
- Whether the transaction occurred at store 172
- Whether the card was used online or in person
- Whether another authorized user made the purchase
- Whether the entries were pending or completed in every case
- Whether Bomgaars located the transactions
- Whether a bank replaced the card
- Whether a refund was issued
- Whether an investigation found stolen card information
- The final resolution
The reports do not independently prove a data breach, card-testing operation, fraud by Bomgaars, or wrongdoing by a Bomgaars employee.
ChargeOnMyCard.com cannot:
- Access Bomgaars transaction records
- Identify a purchase from a card number
- Cancel an order
- Issue a refund
- Release a pending authorization
- Replace a payment card
- Submit a bank dispute
Frequently Asked Questions About BOMGAARS WINCHESTER 17
What is BOMGAARS WINCHESTER 17 on my credit card?
It most likely identifies a payment connected with Bomgaars store 172 in Winchester, Indiana.
What does BOMGAARS WINCHESTER 172 mean?
Bomgaars officially numbers its Winchester, Indiana location as store 172. The statement may show the complete store number or a shortened variation.
What does 17IN mean?
The `17` may be a truncated version of store number 172, while `IN` likely identifies Indiana.
Does Winchester mean I bought ammunition?
No. Winchester most likely identifies the city. Bomgaars sells many farm, home, hardware, clothing, pet, automotive, and outdoor products.
Is this connected with Capital One Travel?
No reliable evidence reviewed for this article connects the descriptor with Capital One Travel. The official Bomgaars store listing provides a much stronger match.
How do I contact the Winchester store?
Call Bomgaars store 172 at 765-584-3683.
How do I find an online order?
Use Bomgaars’ official order-status tool or call website customer service at 1-833-599-5081.
Why is the charge so small?
It could be a low-cost purchase, temporary authorization, declined attempt, or unauthorized card test. Verify the specific transaction before reaching a conclusion.
Why are there two charges?
One may be pending while the other is completed, or they may be separate purchases, retries, duplicates, or repeated unauthorized attempts.
Does living outside the United States prove fraud?
No. However, Bomgaars does not currently ship internationally, so an overseas cardholder with no U.S. order or store visit should investigate promptly.
Can ChargeOnMyCard.com refund the charge?
No. ChargeOnMyCard.com cannot access Bomgaars, order, card, return, refund, or banking systems.
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Retail descriptors may include a shortened merchant name, store number, city, state, address, or telephone number. Use the complete wording to identify the correct merchant.
Help Other Cardholders Identify BOMGAARS WINCHESTER 17
If you identified a BOMGAARS WINCHESTER 17, BOMGAARS WINCHESTER 172, or BOMGAARS WINCHESTER 17IN transaction, please share what it represented.
Helpful details include:
- The descriptor without private reference numbers
- The general amount and currency
- Whether it was pending, declined, reversed, or completed
- Whether it matched an in-store or online purchase
- Whether store 172 identified the transaction
- Whether another authorized card user made the purchase
- Whether a duplicate was corrected
- Whether a return or refund was completed
- How the issuer resolved an unauthorized transaction
Do not post card numbers, card digits, order numbers, receipt barcodes, home addresses, email addresses, passwords, bank account numbers, PINs, CVV codes, or authentication codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, retail-store, location, store-number, pending-authorization, refund, and bank-statement descriptors using current official merchant information, consumer resources, statement clues, and visible cardholder reports.
We distinguish Bomgaars store 172 in Winchester, Indiana from unsupported Capital One Travel or product-brand explanations while helping readers investigate in-store purchases, online orders, pending entries, small charges, duplicate payments, authorized users, and potentially unauthorized transactions.
Last reviewed: July 15, 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with Bomgaars Supply Inc., Bomgaars store 172, Winchester, Indiana, any Bomgaars customer, purchaser, cardholder, bank, credit union, card network, payment processor, or financial institution. This article is provided for informational purposes only and is not financial, legal, retail, return, refund, dispute, account-security, or fraud-prevention advice. Contact Bomgaars and the financial institution directly regarding a specific transaction.
