405 Howard Street Charge on Credit Card [Identified]

A 405 Howard Street charge on credit card can look like a mystery. You may never have visited San Francisco. The line still posted.

That address is a real office building, not a store name. The charge typically belongs to a business that bills from there, or to an older merchant record that some banks still print.

What Is a 405 Howard Street Charge on Credit Card?

A 405 Howard Street charge on credit card is typically a payment tied to 405 Howard Street, San Francisco, CA 94105. The building is a Class A office tower in the South Financial District. It is also called the Orrick Building and Foundry Square II.

The name on your statement is an address, not a brand. Card networks often show a merchant’s city and street when the trade name gets cut short. You do not need to have been in San Francisco for the line to post.

Consumer reports most often match this descriptor to Uber or Uber Eats. That link is plausible, but it is not the only answer.

Uber Technologies Inc. once registered a location at 405 Howard Street around 2012 to 2013. The company later moved its headquarters to Mission Bay, including 1725 Third Street. Some issuers may still print the older street on a statement.

The same building also houses current office tenants and ground-floor shops. A charge can come from those businesses too. Match the date and amount before you assume one source.

Who Uses 405 Howard Street?

Public tenant lists for the building typically include Orrick, Herrington & Sutcliffe LLP, PricewaterhouseCoopers (PwC), and Fremont Group. Orrick lists its San Francisco office at this address and publishes 415-773-5700.

Ground-floor uses have included coffee, casual dining, and building services. Registered businesses at the address have also included parking and cafe operators. Building management is handled by JLL. The building site lists 415-495-8181 and 405Howard@jll.com for property questions.

Some websites say Stripe or Plaid bill from 405 Howard Street. That does not match their current public headquarters. Stripe lists 354 Oyster Point Boulevard in South San Francisco. Plaid lists 1098 Harrison Street in San Francisco. Treat those writeups as unverified.

Common Reasons You See This Charge

The most common consumer match is an Uber ride or an Uber Eats order. Tips, wait-time fees, and fare adjustments can change the final amount. A pending hold during a trip can also look like a second charge until it drops or settles.

Uber One is another possibility if the amount repeats each month. Check the Uber app for membership status before you call it fraud.

A local purchase is the next likely group. That includes coffee, lunch, or parking at the building if you or someone with your card was nearby. Professional invoices from a law firm or accounting firm in the tower can also post with the street address.

A family member’s trip or food order is easy to miss. Shared cards and saved wallets cause many “I did not buy this” moments. Start with those accounts before you escalate.

Pending authorizations deserve a second look. Rideshare and delivery apps often reserve funds first. The hold is not always the final charge. Give it a few business days if the line is still pending.

How to Match the Charge

Write down the posted date, the exact amount, and any extra text next to the address. Look for words like Uber, Eats, park, cafe, or a suite number.

Open the Uber app and review trip and Eats history for that date. Include tips and adjustments. If you use more than one profile, check each one.

Then scan your email for receipts from that day. Search “Howard,” “Uber,” “Eats,” and the dollar amount. A restaurant near the tower may have emailed a receipt even if the card line shows only the street.

If you work with a law firm or accounting firm, check recent invoices. Orrick and PwC are large tenants. A billed legal or consulting payment can look like a random San Francisco charge.

Ask anyone who shares the card. One forgotten airport ride can explain the whole line.

How to Cancel Related Subscriptions

If the charge is Uber One, open the Uber app. Go to Account, then Uber One, and follow the cancel prompts. Cancel before the next renewal date if you want to avoid another monthly bill.

Uber Eats does not need a membership for one-off orders. You stop those charges by removing the card and turning off saved order settings you no longer want.

For a professional services retainer, contact the firm on the invoice. Building management can confirm a parking or cafe operator, but it cannot cancel an Uber membership.

Do not expect your bank to cancel a plan you still authorized in an app. End the service first, then watch the next statement.

What to Do If You Do Not Recognize It

Stay calm and work in order. Most 405 Howard Street lines are a forgotten ride, a delivery, or a building purchase.

If nothing matches, freeze the card in your issuer’s app. Change passwords on Uber and any wallet that stores the card. Review recent login activity.

Contact Uber through the in-app help tools or help.uber.com if the amount looks like a trip or order. Have the date, amount, and last four card digits ready.

If the charge looks like a building purchase, JLL can tell you which tenant or vendor to ask. Use the published building number 415-495-8181 for that narrow question. For a law-firm invoice, start with the number on your bill. Orrick’s published San Francisco number is 415-773-5700.

Still unexplained charges belong with your card issuer. For credit cards, the Fair Credit Billing Act generally lets you dispute billing errors and unauthorized charges. You typically have 60 days from the statement date that first showed the charge. Federal rules also cap most unauthorized credit card liability at $50, and many issuers offer $0 fraud liability. Your bank’s process may vary.

Ignore callers who demand gift cards, remote access, or one-time codes. A real bank or merchant will not ask you to pay that way.

How to Contact the Right Party

Use the company that matches the purchase, not only the street.

For Uber or Uber Eats, use the app or help.uber.com. That is the official path for trip receipts, refunds, and Uber One.

For building or retail questions, JLL lists 415-495-8181 and 405Howard@jll.com. The management office is listed at Suite 150.

For Orrick billing, use the contact on your engagement letter or 415-773-5700. PwC clients should use the partner or invoice contacts they already have.

Your card issuer is the right call when the merchant cannot find the charge. Use the number on the back of your card.

FAQs About 405 Howard Street Charge on Credit Card

Q: Is a 405 Howard Street charge on credit card always Uber?

No. It is the match people report most often, and Uber once used that address. The building also has law, accounting, food, and parking tenants. Confirm the amount in your apps and receipts before you decide.

Q: Why does the charge show San Francisco if I was never there?

Online and app merchants often bill from a corporate or historic address. Your issuer then prints that city on the statement. The service can happen in your hometown while the descriptor still says San Francisco.

Q: Can this charge be a monthly subscription?

It can be, if you have Uber One or another recurring plan tied to the same merchant record. One-time rides and food orders do not renew on their own. Check the Uber app and your email for membership confirmations.

Q: Should I dispute the charge right away?

Match it first. A pending rideshare hold often settles or drops in a few days. If you cannot find the purchase after you check apps, email, and household users, contact the merchant and then your issuer.

Conclusion

A 405 Howard Street charge on credit card typically points to a business connected to that San Francisco office tower. For many cardholders, that business is Uber or Uber Eats. For others, it is a cafe, parking fee, or professional invoice from a current tenant.

Match the date and amount first. Cancel any membership you no longer want in the app that billed you. If the line still does not belong to you, use official help pages and your card issuer rather than a random number from a search ad.

Disclaimer: This article is for general information only. It is not financial, legal, or tax advice. Merchant descriptors, tenant lists, refunds, and bank dispute rules vary by issuer and account. Verify any charge, cancellation, or refund question with the company that billed you or with your card issuer.