A Coursiv charge on your bank statement comes from an online platform that sells AI-focused training courses, and it almost always traces back to a low-cost trial that rolled into a paid subscription when the trial ended. You can stop it by canceling through Coursiv (or through Apple or Google if you signed up in an app), asking for a refund, placing a stop-payment order with your bank, or formally disputing the charge under federal consumer protection law.
How the Charge Shows Up
Coursiv uses dozens of billing descriptors, which is part of why the line item looks unfamiliar. Common ones include COURSIV.IO, COURSIV, COURSIV-AI, VCOURSIV, THECOURSIV, CRSV.APP, and COURSIVAPP. Some entries add a city like Dover, Limassol, or Dubai, so you might see COURSIV.IO^LIMASSOL or COURSIV.IO_USA^DOVER.1Coursiv. Vcoursiv, Coursiv, thecoursiv Bank Charge – What Is This Transaction?
Coursiv sells multiple billing cycles, including a one-week plan and a four-week plan. If you’re seeing several small charges from an unfamiliar descriptor in quick succession, a weekly cycle is the likely reason.
Why You’re Being Charged
The usual scenario is a trial that converted. You paid a small amount to try the service, and when the trial window closed, the plan renewed at the full price. That model is called a negative-option feature, and it’s legal only if the company clearly discloses the material terms before taking your payment information, gets your express informed consent to be charged, and gives you a simple way to stop future charges.2Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet If Coursiv buried the renewal terms or made canceling unnecessarily hard, that’s exactly what the statute targets.
Cancel With Coursiv First
Log into your account on the Coursiv website and open your billing or subscription settings. Find the cancel option and use it. Then look for an on-screen or email confirmation that the subscription status has changed. Without that confirmation, don’t assume the cancellation went through.
If the website won’t let you cancel or your account no longer works, email support@coursiv.io. Send your account email, the approximate charge date, and the order ID from your receipt. Ask for written confirmation that the subscription is canceled and that no further charges will be billed. Keep every reply. If the company later claims you never canceled, that thread is your proof.
If You Signed Up Through Apple or Google
When the subscription runs through the App Store or Google Play, canceling on Coursiv’s own website may not stop the billing, because the app store is handling the charge.
On an iPhone running iOS 26, open Settings, tap your name, tap Subscriptions, select Coursiv, and tap Cancel Subscription.3Apple Support. See Your Purchases and Subscriptions in the App Store on iPhone For a refund on an Apple purchase, go to reportaproblem.apple.com, sign in with your Apple ID, and select the transaction.4Apple Support. Subscriptions and Billing
On Android, open the Google Play Store app, tap your profile icon, choose Payments and Subscriptions, then Subscriptions, and cancel from there. Google usually asks you to contact the app developer first for a refund; if that doesn’t work, you can submit a refund request through Google Play’s support page.
Ask for a Refund
When you write to cancel, ask for a refund in the same message. Have your registration email, the charge date and amount, and the order ID ready. Coursiv’s terms reference a limited refund eligibility window, so the sooner you act after spotting the charge, the better your position. If the company refuses or ignores you, move on to the bank steps below.
Place a Stop-Payment Order
A stop-payment order tells your bank to block future charges from a specific company. It’s useful if Coursiv keeps billing you after you’ve tried to cancel. Under the federal rules for preauthorized electronic transfers, you can stop a recurring payment by notifying your bank at least three business days before the next scheduled charge. Your bank can require written confirmation within 14 days of an oral request, and the oral order expires if you don’t follow up in writing.5Consumer Financial Protection Bureau. Regulation E 1005.10 – Preauthorized Transfers
Two limits to know. Most banks charge a fee for stop-payment orders.6Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account? And a stop-payment order blocks future charges only; it doesn’t cancel the subscription itself or refund past charges. You still need to cancel with Coursiv or the app store, and separately pursue any money already taken.
Dispute the Charge With Your Card Issuer
If Coursiv won’t refund you or you believe the charge was unauthorized, file a formal dispute. Your protections and deadlines depend on whether you paid with a credit card or a debit card, and the difference is significant.
Credit Card Disputes
Credit card transactions are covered by the Fair Credit Billing Act. Your maximum liability for an unauthorized charge is $50, and many issuers waive even that.7Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card To use these protections, send a written dispute to your issuer within 60 days of the statement showing the charge. The issuer then has two full billing cycles, but no more than 90 days, to investigate and either fix the error or explain why the charge stands. During the investigation, the issuer cannot try to collect the disputed amount or report it as delinquent.8Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Debit Card Disputes
Debit card transactions fall under the Electronic Fund Transfer Act and Regulation E, and the timelines are tighter. Report an unauthorized transfer within two business days of discovering it, and your liability caps at $50. Report later than that but within 60 days of your statement, and your exposure rises to $500. Miss the 60-day window, and you could lose everything taken from your account after that deadline.9Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
Your bank has 10 business days to investigate. It can extend that to 45 days, but only if it provisionally credits your account within the initial 10 business days so you have access to the funds while the review continues.10Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution
How to File
Most banks let you start a dispute inside their app or online portal by selecting the transaction and choosing an option like “report a problem” or “dispute charge.” Follow up in writing regardless of how you start. Include the charge amount, the date, the billing descriptor, and a short explanation. Keep copies of everything: your cancellation emails to Coursiv, any reply (or the silence), and screenshots of the charges on your statement.
Keeping It From Happening Again
The simplest defense is to set a calendar reminder the day you sign up for any trial, at least two days before the trial ends. Waiting until the final hour is how unexpected charges happen.
Some credit card issuers offer virtual card numbers you can lock or delete after a trial. Setting a virtual card’s spending limit to the trial price adds a layer of protection, though certain payment networks let merchants keep charging an account even after a card number changes, so canceling the subscription itself is still the more reliable step.
Check your statements at least once a month. Small recurring charges from a forgotten trial are easy to miss, and the dispute clocks above start running whether or not you noticed. By the time a weekly charge has been billing for six months, most of the money may already be beyond recovery.