Is COMMAS.COM a legitimate company?

Yes. COMMAS.COM is the billing name of **FanBasis, Inc. d/b/a Commas**, based at 1200 Ponce de Leon Blvd, Suite 1203, Coral Gables, FL. It is the checkout and merchant of record for independent creators selling courses, coaching, communities and digital products. A charge usually means you bought something from a creator who sells through Commas. Reviews are mixed: some buyers report prompt refunds, while others report slow responses and disputes over creator guarantees. If you don't recognise the charge, email support@commas.com with the date, amount and the last 4 digits of the card.

Why does my statement say COMMAS.COM?

Commas takes the payment for the creator you bought from, so its name appears on your statement instead of the creator's. Depending on your bank, the charge may read **COMMAS.COM**, **COMMAS**, **COMMAS.COM WESTON FL**, **COMMAS.COM 13057865481 FL**, **FANBASIS.COM** or **FANBASIS**. FanBasis renamed itself Commas in 2026, so older charges may still show FanBasis. To find out what you bought, search your email for a Commas or FanBasis receipt. You can also email support@commas.com with your checkout email, or the date, amount and last 4 card digits.

How do I get a refund?

Email **support@commas.com** (or support@fanbasis.com, the address named in the terms) **within 14 days of delivery**. Include your order details and the reason: not delivered, not as described, or not authorised. Commas reviews the request with the creator and refunds approved requests to your original payment method. Put everything in writing and attach screenshots of what was promised. Commas has overridden creator 'no refund' policies when buyers showed evidence, but it also says its refund decisions are final. Renewal fees paid before you cancelled are generally non-refundable.

How long does a refund take?

Commas' help center reportedly says approved refunds take **5 to 10 business days** to reach your original payment method. Some complaints describe longer waits, including one merchant reporting a 5-week delay and a BBB complainant who couldn't find a refund Commas said it had issued. If the money hasn't arrived after 10 business days, email support@commas.com and ask for the refund receipt with the amount, date and reference number. Your bank can use those details to trace it.

I don't recognize this charge. What should I do?

First, check whether you or someone sharing your card bought a course, coaching program or membership from an online creator. Commas bills these as COMMAS.COM or FANBASIS. If not, email **support@commas.com** right away with the date, amount and **last 4 digits** of the card (never the full number). Commas says unauthorised charges are eligible for a refund and that you keep your bank's fraud protections. You can also call +1 305-786-5481, but follow up in writing.

Should I dispute the charge with my bank?

Try Commas first. Email support@commas.com, because the terms require refund requests in writing within 14 days, and some complaints were rejected because the buyer never contacted support before escalating. If Commas refuses, doesn't reply, or the charge was clearly unauthorised, file a dispute with your card issuer. For US credit cards, written disputes are generally due within 60 days of the statement that first showed the charge. Keep copies of all your emails as evidence.

Can I Cancel FanBasis at Any Time?

Yes. No cancellation fee or lock-in contract is listed for buyers. The Commas/FanBasis terms say buyers may cancel renewals by contacting support at least **24 hours before the next billing cycle**, and cancellation takes effect at the end of the current billing period. You keep access until then. Fees already paid are generally non-refundable. Creator accounts on Commas' own seller platform are different: Section 5.6 requires **30 days' written notice** before the end of the term.

Will I lose access if I cancel?

Cancelling stops future renewals. According to the terms, cancellation takes effect **at the end of the current billing period**, so you normally keep access to the creator's course, community or membership until then. After that, the creator can revoke access. Your buyer record stays on file with Commas. If you want a refund instead of just stopping renewals, ask separately in writing within 14 days of delivery.

REFUND GUIDE

How to Get a Commas Refund Within the 14-Day Window.

Inside 14 days their own policy is on your side; statutory cooling-off rights may stack on top. Outside it, you've still got tools, a clear email, a card-issuer chargeback, the lot. Here's the playbook for Commas.

Last verified today against Commas’s own Terms · UK, US, and EU rights covered below

The short answer

These rules are for buyers who were charged as COMMAS.COM, COMMAS, FANBASIS.COM or FANBASIS after buying a creator's course, coaching, membership or digital product. Commas, not the creator, is the merchant and handles refunds. If an order wasn't delivered, isn't as described or wasn't authorized, ask in writing within 14 days of delivery. Commas reviews the request with the creator and sends approved refunds to the original payment method, reportedly in 5 to 10 business days. Subscription renewals already paid before you cancel are non-refundable unless the law requires otherwise, and there is no pro-rata refund. Purchases financed through BNPL (e.g. Affirm) can face a lender refund cutoff of about 120 days. Seller accounts on Commas' own platform have no refunds for partial use.

Or let yoink chase the refund.

30 seconds to set up. yoink emails Commas, cites the policy, escalates if ignored, and surfaces the win when the money lands.

Get yoink (App Store) →

What Commas actually says

“Refund requests must be submitted in writing to support@fanbasis.com within fourteen (14) days of delivery or expected delivery.”
, verbatim from Commas’s terms

14-day cancellation windowPro-rata refund: noStatutory cooling-off: 14 days in UK + EU on new subs

How long does a Commas refund take?

Most merchants agree to a straightforward refund within 1 to 3 working days of a well-written email request. Once agreed, the money itself takes another 3 to 5 working days to land, that part is card-network processing and no merchant can skip it. If nothing has arrived 10 working days after a written “refund approved”, reply on the same thread asking for the ARN (acquirer reference number), which your bank can trace.

Note Commas’s own policy works on a 14-day window, ask inside it and the request is routine; outside it you’re relying on goodwill or statutory rights.

What you can claim

The law where you live is the strongest hook, lead with it when you contact the company.

United States

Fair Credit Billing Act (FCBA)
Dispute any credit-card charge in writing within 60 days.
For US credit-card payments, the FCBA gives you 60 days from the statement date to dispute a Commas charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.
California ARL refund right
Refund if cancel was blocked or unclear.
If Commas made it hard to cancel under California ARL, you’re entitled to a refund of charges taken since the obstruction. Multiple class actions (including against Adobe + Hulu) have set the precedent.

Worldwide

Card-issuer chargeback
Visa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, Commas has ~45 days to defend. Works regardless of where Commas is headquartered.
PayPal Buyer Protection
If you paid via PayPal, open a dispute.
PayPal’s Buyer Protection covers “item not as described”, applies to services that didn’t deliver. Resolution typically within 20 days.

Rights in other regions (United Kingdom, European Union)

United Kingdom

Section 75, Consumer Credit Act
Credit card issuer is jointly liable. £100-£30,000.
For UK credit-card charges between £100 and £30,000, your card issuer is jointly liable with Commas for any breach. Call your bank, say “Section 75 claim”, send evidence. Usually resolved in 2-4 weeks.
Consumer Contracts Regulations 2013
Full refund within the 14-day window.
Inside 14 days of starting any Commas subscription, you’re entitled to a full refund of any payment taken, no questions, no policy override.
Citizens Advice + Trading Standards
For repeated bad-faith refusals.
Free escalation lane: file with Citizens Advice (08082231133), they pass it to Trading Standards. Slow (8-12 weeks) but creates a paper trail Commas can’t ignore.

European Union

Consumer Rights Directive 2011/83/EU
14-day withdrawal across all EU member states.
EU-wide statutory right to withdraw and recover any payment within 14 days of subscription start. Mirrored in local law in every EU country.
ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If Commas is based in another EU country, your local European Consumer Centre will mediate the dispute for free. List of national contacts at commission.europa.eu.

The 4-step refund email

Email the right address
Use support@fanbasis.com, the route yoink has verified actually gets read for Commas.
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi Commas team,

I'm requesting a refund of the recent charge on my subscription, account [your account email].

Under the FTC's Click-to-Cancel rule, cancellation must be available through a channel as simple as the one I signed up through. Please confirm by reply that the refund will be processed to my original payment method.

Best,
[your name]

Wait 7-14 days, then escalate
If you haven’t heard back in 14 days, escalate via the regional route above, a card-issuer chargeback works in every market.

Refund FAQ for Commas

Commas bills creator subscriptions as merchant of record, so you cancel with **Commas**, not the creator. There are three ways: 1. Click the **order link in your Commas receipt email**. 2. Sign in, open **My Purchases → Active**, click the three-dot menu and choose **Cancel subscription**. 3. Email **support@commas.com** (or support@fanbasis.com) and ask them to cancel for you. Cancel **at least 24 hours before your next billing date**, or you may be charged once more. Email gives you a written record.