Question 1

Why do I see a charge from SRM Concrete with “SRM - KY 615-355-1028” on my statement?

Accepted Answer

This descriptor typically indicates a payment processed by SRM Concrete (Smyrna Ready Mix Concrete, LLC), often for ready‑mix concrete or materials supplied to a project in or around Kentucky. The phone number in the descriptor (615‑355‑1028) is SRM’s corporate contact line, which is shared across multiple regions.([smyrnareadymix.com](https://www.smyrnareadymix.com/contact-us/?utm_source=openai))

Question 2

What types of purchases usually result in a card charge from SRM Concrete?

Accepted Answer

Most card charges to SRM Concrete come from delivered concrete orders, aggregate or materials purchases, small contractor jobs, or walk‑in/yard transactions where a customer or contractor chooses to pay by credit or debit card instead of on an invoiced account.

Question 3

Could this be a charge related to work done by my contractor rather than by me directly?

Accepted Answer

Yes. Contractors frequently purchase concrete and materials from SRM Concrete on behalf of homeowners or businesses. In some cases they may use a client’s card for materials, so the statement will show SRM Concrete instead of the contractor’s business name. Ask your contractor for copies of the SRM invoice or delivery tickets for the job.

Question 4

Does SRM Concrete place authorization holds on cards, and can those differ from the final amount?

Accepted Answer

For some jobs, SRM Concrete or a local plant may place an initial authorization based on an estimated yardage or materials total. The final settled amount can change after the exact delivered quantity, additives, or additional trips are confirmed. Any authorization hold that exceeds the final billed amount should fall off your account automatically after your bank’s hold period.

Question 5

How can I get details or a copy of the invoice for an SRM Concrete charge?

Accepted Answer

You can contact SRM Concrete by calling 615‑355‑1028 or using the contact form on smyrnareadymix.com and provide the date, exact amount, and last four digits of the card used.([smyrnareadymix.com](https://www.smyrnareadymix.com/contact-us/?utm_source=openai)) Their accounting or local plant team can typically look up the ticket, delivery address, and invoice associated with the transaction.

Question 6

How do I dispute or request a refund for an SRM Concrete transaction?

Accepted Answer

Start by contacting SRM Concrete directly with your transaction details and any supporting documents (delivery tickets, job change orders, etc.). If an error is confirmed—such as incorrect yardage or duplicate billing—they can issue an adjustment or refund. If you cannot resolve the issue with SRM, contact your card issuer to open a formal dispute, referencing any correspondence and invoices you have collected.

Question 7

Can I stop future card charges from SRM Concrete?

Accepted Answer

SRM Concrete generally charges cards on a per‑job or per‑delivery basis rather than through subscriptions, so recurring charges are uncommon. To prevent future use, confirm with your contractor or internal purchasing staff that your card will no longer be used with SRM, and if you suspect unauthorized use, ask your bank to replace the card and block additional transactions.

Question 8

Why does the descriptor mention “SRM - KY” if the company is based in Tennessee?

Accepted Answer

SRM Concrete is headquartered in Murfreesboro, Tennessee, but operates plants and quarries in many states, including Kentucky.([nashvillechamber.com](https://nashvillechamber.com/investors/srm-concrete/?utm_source=openai)) Card descriptors sometimes append a state or region (such as “KY”) to indicate the operating division or local plant where the transaction originated, even though the corporate phone number and billing systems are centralized.

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