J Thomas and Company, Inc.

Restaurant80% confidence

J Thomas and Company, Inc. is a privately held restaurant operator based in the Dayton, Ohio area, known for running multiple full‑service restaurant locations, including Waffle House franchises. Charges typically relate to in‑restaurant dining at one of their franchised locations.

Dayton, Ohio, United States

About J Thomas and Company, Inc.

J Thomas and Company, Inc. is a privately held restaurant group headquartered in the Dayton, Ohio area. Business and industry directories classify the company under eating places and full‑service restaurants, with hundreds of employees and multi‑million‑dollar annual revenues, indicating that it operates a network of restaurant locations rather than a single site. Public job postings further tie J. Thomas & Co. Inc. specifically to operating Waffle House restaurants in the Huber Heights/Dayton market, suggesting it is a regional Waffle House franchisee or similar multi‑unit operator.([start.cortera.com](https://start.cortera.com/company/research/k5s0oyn1o/j-thomas--co-inc/?utm_source=openai))

Because J Thomas and Company is the corporate/franchise owner, card statements may show the corporate name (e.g., “J Thomas Company Centerville OH”) instead of the consumer‑facing brand on the building sign (such as Waffle House). A charge like this usually represents an in‑person restaurant transaction for food and beverages at one of their locations in or near Centerville, Ohio, or elsewhere in the Dayton region. It may be a one‑time meal charge, a tip‑inclusive amount, or an adjusted total if the tip was added after the initial card authorization.

If you have questions about a charge, first match the date and amount to any meal receipts around that time, especially from Waffle House or other sit‑down restaurants in the Dayton/Centerville area. Check with others on your account (family members, employees) who might have used the card. You can also call the phone number shown on the descriptor (or found via business listings for J Thomas & Co Inc at 7231 Taylorsville Rd. in Dayton) and ask which store ran the transaction on that date. If you still cannot recognize the charge, your card issuer can provide additional details (such as exact terminal ID and time) and help you dispute any transaction that appears unauthorized.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to J Thomas and Company, Inc..

  1. J Thomas Company Centerville Oh

Frequently Asked Questions

Why does my statement say “J Thomas Company Centerville OH” instead of the restaurant’s brand name?

Many franchise operators process card payments under the legal corporate entity that owns the store. J Thomas and Company, Inc. appears as the merchant of record for the locations it operates, so your bank may show “J Thomas Company Centerville OH” even though the signage at the location may say something like Waffle House or another restaurant brand.

What types of purchases typically generate a charge from J Thomas and Company, Inc.?

Charges from J Thomas and Company, Inc. are typically for dine‑in or take‑out meals at one of its full‑service restaurant locations in the Dayton, Ohio region. The final amount may include food, beverages, tax, and any tip you added when paying by card.

Can J Thomas and Company, Inc. place authorization holds on my card?

Most full‑service restaurants authorize your card for the ticket amount when you first pay, then finalize the charge later after a tip is added. You may briefly see a pending amount that later updates to the final total. This is normal card behavior at sit‑down restaurants and should resolve within a few days.

I don’t recognize this J Thomas Company charge—how can I verify it?

Start by checking whether you or anyone on your account dined at a Waffle House or similar sit‑down restaurant in the Centerville/Dayton area on that date. Compare the statement amount to any receipts. If you still can’t match it, call the phone number associated with J Thomas & Co Inc’s Dayton headquarters and ask them to identify which store and ticket number correspond to that transaction, then contact your card issuer if it appears fraudulent.

Does J Thomas and Company, Inc. run any recurring or subscription billing?

Restaurant groups like J Thomas and Company, Inc. generally do not run subscriptions; charges are almost always per‑visit meal transactions. If you see multiple similar amounts from them, they are likely separate visits rather than a recurring plan. Multiple unexpected charges in a short period should be checked with household members and then reported to your card issuer if still unrecognized.

How do I request a refund or adjustment for a J Thomas and Company, Inc. charge?

The fastest way is to contact the specific restaurant location where you dined—using your receipt if available—and ask for a manager to review the ticket. If you don’t know which store it was, you can contact J Thomas & Co Inc’s Dayton headquarters (at the Taylorsville Rd. address listed in business directories) and provide the date, time, and amount so they can route you to the correct location. If you cannot resolve it directly, you can then open a dispute through your card issuer.

What are common charge amounts I might see from J Thomas and Company, Inc.?

Typical ticket sizes depend on party size and menu pricing, but many single‑person meals with tax and tip might fall in the $10–$25 range, while family or late‑night group checks can be significantly higher. Seeing different amounts on the same day may indicate multiple visits or split checks across several cards.

This merchant is in the Restaurant category

Browse all

Related Merchants

Airport Retail Enterprises
Delaware North
Boost Juice
Nando's
Shish Shawarma & Grill

Compare J Thomas and Company, Inc.

vsAirport Retail EnterprisesvsDelaware NorthvsBoost Juice

Got more mystery charges?

Paste your bank statement codes and we'll tell you exactly who charged you.

Find out who charged you