A “COBB 303 E HAWAII” charge on your credit card or bank statement comes from Cobblestone Auto Spa, specifically the car wash at 128 E. Hawaii Ave. in Nampa, Idaho. Most of the time it is the monthly bill for a Cobblestone unlimited wash membership that auto-renews to whatever card was used at sign-up. If it’s a one-time visit, the charge will stop on its own. If it keeps appearing, someone with access to the card signed up for a membership, and it will keep billing until it’s canceled.
What the Descriptor Actually Means
“COBB” is shorthand for Cobblestone, and “303 E HAWAII” is the billing descriptor the payment processor associates with the Nampa location. The physical address is 128 E. Hawaii Ave., Nampa, ID 83686, at East Hawaii Avenue and 12th Avenue Road.1Cobblestone Auto Spa. Nampa – E Hawaii & 12th Ave Rd Merchant descriptors and street addresses don’t always match, which is why the number in the descriptor doesn’t line up with the number on the building.
The site is an express exterior car wash open 7 AM to 9 PM.1Cobblestone Auto Spa. Nampa – E Hawaii & 12th Ave Rd It also carries affiliations with Epic Shine Car Wash and Bluebird Express Car Wash, so a receipt or sticker in the car may not say “Cobblestone” even though the charge does.
Why the Charge Keeps Coming Back
Cobblestone’s core product is an unlimited wash membership. It’s a flat monthly fee, valid at any Cobblestone location, billed automatically to the card on file on the same date each month.2Cobblestone Auto Spa. Unlimited Wash Plans The plan renews on its own until you cancel, and promotional sign-up prices roll over to the standard rate once the promo period ends.3Cobblestone Auto Spa Zendesk. If I Cancel My Membership, Will I Receive a Refund
Sign-up happens at the kiosk, and it’s common for a driver to enroll without fully registering that the plan will keep billing. Before assuming fraud, check whether you, a spouse, a teenager, or anyone else with the card visited a Cobblestone in Nampa.
How to Cancel the Membership
Cobblestone requires cancellation requests in writing, submitted at least seven days before the next billing date.4Cobblestone Auto Spa Zendesk. What Are the Terms of Membership at Cobblestone Car Wash Two routes:
- Online. Go to Cobblestone.com, click Support, and select Manage My Plan.5Cobblestone Auto Spa. The Benefits of a Monthly Car Wash Plan
- Phone. The Nampa locations use (208) 400-5544.1Cobblestone Auto Spa. Nampa – E Hawaii & 12th Ave Rd
Once processed, the membership stays active through the 30-day cycle already paid for, and Cobblestone does not issue refunds or prorated credits for partial months.3Cobblestone Auto Spa Zendesk. If I Cancel My Membership, Will I Receive a Refund The company states there are no cancellation charges or long-term commitments.2Cobblestone Auto Spa. Unlimited Wash Plans
Reaching corporate support has been a common complaint. The Better Business Bureau has given Cobblestone an “F” rating, with a pattern of complaints citing cancellation difficulties and unanswered calls.6Denver7. Cobblestone Car Wash Has F Rating, Complaints With Better Business Bureau Keep screenshots, call logs, and confirmation emails from every cancellation attempt. If you end up in a dispute with your card issuer, that record is what proves you tried.
How to Dispute the Charge With Your Card Issuer
If the charge is unauthorized, or Cobblestone won’t stop billing after you’ve canceled, dispute it with your card company. The Fair Credit Billing Act gives you 60 days from the statement date on which the charge first appeared to notify the issuer of a billing error.7Consumer Financial Protection Bureau. Regulation Z – § 1026.13 Billing Error Resolution
Call the number on the back of the card first to open the dispute, then send a written follow-up to the issuer’s billing-inquiry address, which is not the same as the payment address.8Federal Trade Commission. Using Credit Cards and Disputing Charges Include your name, account number, the date and amount of the charge, and why you believe it’s an error. Send it by certified mail with return receipt.
After the written notice arrives, the issuer must acknowledge the dispute within 30 days and resolve it within two complete billing cycles, no more than 90 days.7Consumer Financial Protection Bureau. Regulation Z – § 1026.13 Billing Error Resolution While the investigation is open, you can withhold payment on the disputed amount, and the issuer cannot report you delinquent on it, take collection action, or close the account. Undisputed balances still have to be paid.8Federal Trade Commission. Using Credit Cards and Disputing Charges
Federal law caps your liability for unauthorized credit card charges at $50, and most issuers apply a zero-liability policy that goes further.8Federal Trade Commission. Using Credit Cards and Disputing Charges If the issuer’s resolution isn’t satisfactory, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.9Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
When to Treat It as Possible Card Fraud
If nobody in the household has ever been to a car wash in Nampa, take the charge seriously even if it’s small. Criminals often run a low-value “test” charge on a stolen card number to see whether it clears before running larger ones.10Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud The FDIC has flagged that even sub-dollar charges can be a signal that account information is being tested.11Summit State Bank / FDIC. Small Charges
Call the issuer to block the card and request a replacement. You can also place a fraud alert with any one of the three major credit bureaus, and that bureau will notify the other two: Equifax (1-800-525-6285), Experian (1-888-397-3742), or TransUnion (1-800-680-7289).10Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud If the situation looks like identity theft rather than a single stolen number, the FTC’s recovery tool at IdentityTheft.gov produces a step-by-step plan.