You saw “PSV* THE MOMENTUM ALERT,” “PSV* OXFORD INCOME LETTER,” or “PSV* (Publication Name)” on your credit card statement, with 866-237-0436 next to it. That charge is a subscription or auto-renewal for an Oxford Club financial newsletter. The Oxford Club is a Baltimore-based private investment club operated by Oxford Financial Publishing, LLC, headquartered at 105 W. Monument Street, Baltimore, MD 21201, inside The Agora Companies publishing network. The publisher’s own billing page confirms the descriptor verbatim: “The transaction will be reflected on your card statement as PSV* (Publication Name) 866-237-0436.”
The Oxford Club is unusually transparent here — it hosts dedicated decode pages for individual newsletters (“What is PSV* The Momentum Alert?,” “What is PSV* Investment U Plus?,” “What is PSV* Oxford Resource Explorer?,” “What is PSV* Oxford Bond Advantage?”). If your statement shows a different brand entirely, that is a sister publisher under a different billing entity — see the Stansberry charge decode, Paradigm Press decode, or Banyan Hill decode. If you do not recognize the charge at all, skip to “What If You Don’t Recognize the Charge.”
What Products the PSV* Oxford Club Charge Covers
The PSV* descriptor covers all Oxford Club paid newsletters and trading services. The most commonly billed:
- The Oxford Communique (Alexander Green, flagship; $49 promo first year, $79/$129/$249 tiers at renewal)
- The Oxford Income Letter (Marc Lichtenfeld; $49 promo, $79 renewal; 90-day money-back guarantee documented)
- The Momentum Alert and The Insider Alert (Alexander Green)
- Oxford Microcap Trader (small-cap back-end; recurring BBB complaint source)
- Skousen Intelligence Alert (Mark Skousen; macro, $1,995/yr)
- Oxford X, Technical Pattern Profits, Trigger Event Trader, Weekly Income Alert, Future Tech Trader, Oxford Bond Advantage, Oxford Centurion
Entry-level front-ends typically bill at $49 for the first year and auto-renew at full list price. If you are seeing a $79, $129, or $249 charge and originally paid $49, that is the standard renewal after the promotional first year. Chairman’s Circle and Director’s Circle lifetime memberships carry a separate one-time payment plus an annual maintenance fee — covered below.
The Charge Descriptor Decoded
- PSV (Publication Name)* — the standard descriptor confirmed on the publisher’s own billing page (verified July 19, 2026). The publication name appears in parentheses, followed by the Member Services phone number 866-237-0436.
- PSV [truncated]* — card processors truncate long descriptors. “PSV* THE MOMENTUM” or “PSV* OXFORD INC” is the same charge.
- PSV OXFORD CLUB* — occasionally appears with the publisher name rather than the specific publication.
The “PSV” prefix stands for “publishing services,” confirmed verbatim on the Oxford Club’s own decode pages. The publisher also notes that “in general, the PSV designation appears only on Visa card statements” — so if you are reading an Amex or Mastercard statement and the descriptor looks different, that is normal. The prefix is shared across the Agora publishing family; Stansberry Research, Paradigm Press, and Banyan Hill all use PSV* variants. The phone number on the descriptor and the publication name are the fastest disambiguators. Oxford Club’s number is 866-237-0436 — distinct from Paradigm’s 844-731-0984 and Banyan Hill’s 866-584-4096.
How to Cancel the Subscription
The Terms (verified July 19, 2026) state that to cancel or change subscription billing, log into your account or contact Customer Support at 866-237-0436.
Method 1: Cancel Online (Fastest)
- Go to oxfordclub.com and log in to your account.
- Click “My Profile” in the top left, then “My Membership” to see a complete list of your paid subscriptions.
- Follow the cancellation instructions to turn off auto-renewal.
- You retain access through the end of the subscription period you have already paid for.
The Terms state that auto-renewal customers are charged unless canceled before the next billing date. The publisher does not publish a specific 48-hour window the way Paradigm Press and Banyan Hill do, but cancel a few days ahead of the renewal date, not the day before.
Method 2: Cancel by Phone
- Call 1-866-237-0436 (toll-free, U.S.). International: +1-443-353-4540.
- Hours: Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time. The beta.oxfordclub.com contact page lists 8 a.m. to 8 p.m. ET — call before 5 p.m. to be safe, since 5 p.m. is the window published on the main Contact Us page and in the Terms (both verified July 19, 2026).
- Have your account email or order number ready.
- Ask the representative to cancel your subscription and turn off auto-renewal. Confirm whether you are within any refund window that applies to your product.
For Chairman’s Circle matters specifically, the Club publishes a separate VIP Services line: 1-888-570-9830 (local 443-353-4537).
Method 3: Cancel by Contact Form
Use the contact form at oxfordclub.com/contact-us. The form includes a subject dropdown with explicit options for “Subscription Cancellation Request” and “Auto Renew / Maintenance Fee Cancellation Request.” The publisher also accepts email at mailbag@OxfordClub.com, though the contact form is the more reliable written channel for time-sensitive requests. Form submissions are slower than the portal or phone (one to two business days for a reply), but they create a written record — which matters if there is a dispute about timing.
The Refund Fine Print
The Oxford Club’s refund policy follows the same template as its Agora-family peers, and the distinction between the marketing presentation and the order form terms is where most disputes happen. The Terms (Section 10, verified July 19, 2026) state the policy directly.
The Default: Non-Refundable
The Terms state: “Subscription payments are non-refundable and all sales are final unless otherwise indicated.” If your order form did not specify a refund window, the subscription is non-refundable, and cancellation only stops future auto-renewals. You keep access through the term you paid for.
When a Refund Window Exists
The Terms continue: “In the event we offer a refund, you may elect to receive your refund in the form of cash within the stated refund period. If a refund request is made after the expiration of the stated refund period, we reserve the right to issue the refund in the form of credits to your customer account. Any unapplied credits will automatically expire after one (1) year.”
Some products carry a refund window — the Oxford Income Letter documents a 90-day money-back guarantee, and the Oxford Communique is widely cited as carrying a 365-day money-back guarantee — but the exact window is product-specific and stated on the order form, not in the marketing video. If you miss the window, the Club’s default offer is account credit, not cash. Any unapplied credits expire after one year. The billing page (verified July 19, 2026) states that “eligible refunds are processed within 14 days of receipt of your request to cancel your subscription.”
The Marketing-vs-Order-Form Gap
This is the most-documented complaint pattern against the Oxford Club. BBB records (verified July 19, 2026) document a lifetime subscriber who expected “profiles available that had multiple recommendations on stock market trades,” then found the profiles “systematically reduced in quantity and quality.” When the subscriber called for a refund, they were “promptly told it was policy to never offer or process a refund.” Classic Agora-family pattern: a refund expectation set during the sale, then denied at the customer service desk because the order form terms did not include it.
The Club’s position, in BBB responses, is that the order form terms govern. BBB records also show the Club has issued full cash refunds in escalated complaints — one response confirms “Per your request, we have issued you a refund of $2,500 back to your card.” The publisher is not immune to its own sales claims; it requires the subscriber to produce evidence.
Chairman’s Circle and Director’s Circle: The Lifetime Tier
Lifetime memberships have a separate, more detailed refund policy. The Club publishes a dedicated “Chairman’s Circle Refund Policy” document (verified July 19, 2026).
Chairman’s Circle is the top tier — access to every newsletter and trading service, granted on a lifetime basis for a one-time payment plus an annual maintenance fee.
- $200 initiation fee is non-refundable.
- Within the first 30 days: full refund minus the $200 initiation fee.
- After 30 days, within the first 12 months: prorated refund. The membership cost is divided by 11, multiplied by the months of membership used, minus the $200 fee. Example from the Club’s own document: a member who paid $5,000 and cancels after six months receives [($5,000 / 11) * 6] — $200.
- After 12 months: no refund. The Club’s position is that the member has “already accessed over $20,000 in benefits based on the stated retail values for a full year.”
- Maintenance fee: $125 annually (for members who signed up since November 2004). First year is waived. Failing to pay ends the subscription.
- Transferability: Chairman’s Circle membership is considered “real property” and can be transferred through a will or trust — a genuinely unusual feature in this industry.
Director’s Circle sits below — lifetime access to the Communique and Income Letter, also one-time payment plus maintenance fee, bequeathable to family members. No separate refund policy beyond the general Terms.
The Agora family has a documented history of publisher wind-downs (Legacy Research 2024, Money Map Press 2024, Manward Press 2025) where lifetime subscribers received credits or migrations, not cash. The Oxford Club has been stable for well over two decades and has not gone through a wind-down, but the “lifetime = life of the product” structure is the same template. If you are considering a lifetime tier, read the Chairman’s Circle refund policy document above before committing.
The Auto-Renew Trap to Watch For
Oxford Club subscriptions auto-renew by default. When you buy a $49 first-year subscription, the order form discloses that it will automatically renew at the full list price until you cancel. The renewal charge is what most people see on their statement and do not recognize — a year has passed, the promo price rolled off, and the full price hit.
The fix: turn off auto-renew in your account settings at oxfordclub.com immediately after subscribing, or calendar the renewal date a week in advance. Card networks may automatically update your card details through account updater services, meaning a new card number will not stop the charge — only a cancellation will. One BBB complaint (verified July 19, 2026) describes a subscriber “charged three times” on the same day for “a Life Time membership, which I did not request” alongside two premium yearly memberships; the Club’s response showed the order form had been processed with multiple tier options selected. Review your order confirmation email immediately after purchase.
Confirmation Checklist
After cancelling, verify each:
- You received a cancellation confirmation email from the Oxford Club. If not within 24 hours, call 866-237-0436.
- Your account page at oxfordclub.com shows the subscription as canceled or auto-renew turned off under “My Membership.”
- Auto-renew is off for all products in your account, including any bundled with the one you intended to cancel. The Oxford Club bundles products in its tier structure.
- Check your credit card statement the following month, since no new PSV* charges should appear — if one does, call immediately.
- If you were promised a refund, confirm the amount, the form (cash or credit), and the timeline. The billing page states eligible refunds process within 14 days; BBB responses reference a 5-7 business day window for card refunds. Credits expire after one year.
What If the Charge Is Not Yours / When a Chargeback Makes Sense
If you have never subscribed to any Oxford Club product and the charge is unfamiliar, contact Member Services at 866-237-0436 or use the contact form at oxfordclub.com/contact-us. Common explanations include a family member who used a shared card, a free trial that converted to paid, or a subscription purchased under a different email address.
The Terms state that initiating a chargeback without first contacting customer service can result in account termination. Try the publisher first — their phone line is staffed in Baltimore and BBB records show they resolve a meaningful share of billing complaints when the subscriber calls directly.
A chargeback is the last resort. Use it only if:
- You contacted the Oxford Club by phone and the contact form and received no response within a reasonable timeframe. (BBB complaints cite this: “I attempted to contact customer service repeatedly on the ‘VIP’ support line, and via email… and have had no response.”)
- The charge is clearly fraudulent (you have no account and never subscribed).
- You cancelled within a refund window stated on your order form and were denied a refund you are owed.
- You have written evidence of a refund promise that customer service refuses to honor.
Filing a chargeback without first contacting the publisher will likely result in the Club disputing it, and their order-form records are thorough. BBB records show that when subscribers skip the publisher, the Club’s response to the card issuer typically includes the order form and Terms acknowledgment — which can cause the chargeback to fail. If you have the cancellation confirmation and any refund promise in writing, your card issuer will have what it needs to side with you.
Contact Reference
All contact information verified July 19, 2026 against oxfordclub.com/terms-and-conditions, oxfordclub.com/billing, oxfordclub.com/contact-us, and oxfordclub.com/levels.
| Method | Details |
|---|---|
| Phone (U.S.) | 1-866-237-0436 |
| Phone (International) | +1-443-353-4540 |
| Hours | Monday-Friday, 9 a.m.-5 p.m. Eastern Time (per Contact Us page and Terms); beta.oxfordclub.com lists 8 a.m.-8 p.m. ET |
| Chairman’s Circle VIP Line | 1-888-570-9830 (local 443-353-4537) |
| Email (member inquiries) | mailbag@OxfordClub.com |
| Online Portal | oxfordclub.com (log in to account, “My Profile” > “My Membership”) |
| Contact Form | oxfordclub.com/contact-us |
| The Oxford Club, Attn: Member Services, 105 W. Monument St., Baltimore, MD 21201 | |
| Legal Entity | Oxford Financial Publishing, LLC |
Flack Jacket Finance is an independent publisher and is not affiliated with The Oxford Club, Oxford Financial Publishing, LLC, or The Agora Companies. We may earn affiliate commissions from links on this site. This page was last verified July 19, 2026. Publisher phone numbers, portal paths, and refund policies change — always confirm directly with the publisher before acting.
See the guides index for more publisher and thesis explainers.