150 Greenwich St Charge on Credit Card [Identified]
A 150 Greenwich St charge on credit card can look random if you do not remember a New York purchase. In most cases, the line is an address, not a store name.
That address typically belongs to 4 World Trade Center in Lower Manhattan. Read the rest of the descriptor, the ZIP code, and the amount before you assume which company billed you.
What a 150 Greenwich St charge on credit card usually means
150 Greenwich Street is the street address of 4 World Trade Center, often shortened to 4 WTC. The tower sits at 150 Greenwich Street, New York, NY 10007.
It is a large multi-tenant office building with retail space. Your bank may print only the street address when the merchant file is incomplete or truncated.
Spotify USA Inc. officially lists its U.S. office at 4 World Trade Center, 150 Greenwich Street, 62nd Floor, New York, NY 10007. That makes Spotify one possible match when the amount and date line up with Premium.
The address alone does not prove the charge came from Spotify. Other companies also occupy the building, and some processors simply pass the corporate address through to your statement.
How the charge may appear on your statement
Issuers shorten merchant text in different ways. You may see wording like:
| Statement text you might see | What it typically points to |
|---|---|
| 150 GREENWICH ST NEW YORK NY 10007 | 4 World Trade Center merchant address |
| 150 GREENWICH STREET NY | Same building, shorter bank label |
| POS DEBIT 150 GREENWICH ST | Bank coded it as a card purchase |
| SPOTIFY 150 GREENWICH ST | Stronger Spotify billing clue |
| 4 WORLD TRADE CENTER or 4 WTC | Same tower under its building name |
“POS debit” or “checkcard” generally describes how your bank coded the swipe or card-not-present payment. It does not, by itself, tell you the product.
Look at the city and ZIP first. New York with 10007 or 10006 typically points to 4 WTC. A San Francisco or 94111 line is a different property and a less common lookalike.
Why this charge shows up
Banks often display a headquarters or billing address instead of a brand name. That is common with digital subscriptions, saved cards, and corporate merchant accounts.
If you use Spotify Premium, the amount may match a monthly Individual, Duo, Family, or Student plan. Spotify says it charges each Premium plan once per month, though retries and plan changes can create extra statement lines.
You may also have spent money at the World Trade Center campus. 4 WTC has retail levels, and the wider site includes dining, transit, and nearby parking. A one-time amount after a New York trip may fit that pattern better than a subscription.
Family members and authorized users can add their own saved cards. Spotify’s official help says someone else may have used your payment details for their account.
How to identify the merchant
Start with the full statement line. Write down the date, amount, pending or posted status, and any phone number or extra letters.
Then match that amount and date to your own records. Check email receipts, wallet apps, and subscription emails from the same week.
If you think it may be Spotify, log in at spotify.com and open Payment history at spotify.com/account/payment-history/. Official help says receipts are available for transactions from the last two years.
Try every login you use. Spotify notes that accounts can be created with email, a phone number, Apple, or Google.
If nothing matches, call the number on the back of your card. Ask the issuer for the expanded merchant name, category, and any phone number stored with the transaction.
Do not assume a company from the street address alone. Current and recent tenant reports for 4 WTC have included Spotify, the Port Authority of New York and New Jersey, New York City offices, Zurich, Global Atlantic, Clear Street, Rippling, Duolingo, StubHub, Morningstar, and SNY.
Tenant lists change, so treat those names as possible leads, not proof.
How to cancel if it is a Spotify plan
Cancel the plan that owns the card, not a random account.
- Sign in at spotify.com.
- Open Manage your plan at spotify.com/account/subscription/manage/.
- Choose Cancel subscription and finish the confirmation screens.
- Save the date your account is set to switch to free.
Spotify says Premium stays active until the next billing date after a successful cancel. You generally keep playlists and can keep using the free service with ads.
If you do not see a cancel option, a partner may bill you. Official help says mobile carriers, internet providers, Google Play, and similar partners can manage the payment. In that case, use the partner contact shown under Payment on your account page.
Spotify consumer support is handled online, not through a published customer-service phone line. Use support.spotify.com and the official contact form if the account page does not show the charge.
A successful cancel does not automatically refund the current period. Refund rules vary by plan, timing, and whether a partner processed the payment.
What to do if the charge is not yours
Treat an unmatched 150 Greenwich St charge on credit card as unrecognized until you can tie it to a receipt.
Lock or freeze the card in your issuer’s app if you did not authorize the payment. Then report the transaction and ask whether a replacement card is needed.
Spotify’s help page for unexpected Premium charges asks you to try every login and to check whether a friend or family member used your card. Prepare a screenshot of the statement line with the full card number hidden.
If Spotify cannot find the payment, go back to your issuer. The merchant may be another 4 WTC tenant, a retail purchase, or a processor using the same address.
Federal guidance from the CFPB explains how to dispute a credit card charge with your issuer. Time limits and required details vary by bank, so start with the number on your card.
Watch for small authorization holds. Spotify says a nominal verification charge can appear when you add a card or start an offer, and that hold is typically released after the bank finishes processing.
Other addresses and lookalikes
There is a separate 150 Greenwich Street in San Francisco, ZIP 94111. That property is not 4 World Trade Center.
If your line shows California or 94111, research that location instead of New York tenants. If it shows NEW YORK NY 10007, stay focused on 4 WTC.
Westfield World Trade Center retail and nearby garages use other Greenwich Street numbers as well. Compare the exact street number before you contact a mall or parking operator.
FAQs About 150 Greenwich St Charge on Credit Card
Q: Is a 150 Greenwich St charge on credit card always Spotify?
No. Spotify USA does list 150 Greenwich Street, 62nd Floor, as its New York office. The building has many tenants, so the address is only a starting clue. Match the amount to Spotify Payment history before you treat it as Premium.
Q: Why does my bank show the street instead of the company name?
Issuers often print the merchant’s billing address when the brand name is missing or too long. That can happen with subscriptions, online payments, and corporate accounts. Ask your bank for the expanded merchant name if the line is only an address.
Q: How do I stop a recurring 150 Greenwich St charge?
Identify the company first. For Spotify-billed Premium, cancel at spotify.com/account/subscription/manage/. If a phone company, Google Play, Apple, or another partner bills the plan, cancel with that partner. Then watch the next statement to confirm the billing stopped.
Q: What if I was in New York and do not have a Spotify account?
A one-time charge after a trip may be retail, dining, or parking tied to the World Trade Center area. Check receipts from that date and the merchant category on your statement. If you still cannot match it, report the line to your issuer.
Conclusion
A 150 Greenwich St charge on credit card typically points to 4 World Trade Center at 150 Greenwich Street in New York. Spotify is a common possible match when the amount fits Premium and a receipt appears in your account. Confirm the merchant, cancel the right plan if it is a subscription, and call your issuer if the payment still does not belong to you.
Disclaimer: This article is for general information only. It is not financial, legal, or account-specific advice. Merchant descriptors, refunds, and dispute rules vary by company and card issuer. Verify the charge with the merchant and your bank before you cancel a service or file a dispute.
