Revisamos el cargo no reconocido.

It can mean either one.

For nosotros with many -ar verbs, the present and the preterite have the same form:

• revisamos = we review / we are reviewing
• revisamos = we reviewed

So you need context to know which meaning is intended. For example:

• Ahora revisamos el cargo no reconocido. → present
• Ayer revisamos el cargo no reconocido. → past

In customer-service language, the present is also often used for a current action in progress: We’re reviewing the unrecognized charge.

Because Spanish often drops subject pronouns when the verb ending already shows who is doing the action.

• revisamos already tells you the subject is we
• so nosotros revisamos is usually unnecessary

You would add nosotros only for emphasis, contrast, or clarity:

• Nosotros revisamos el cargo, no ellos.

This is very normal in Spanish, including Spain Spanish.

Here, cargo means a charge, usually a bank-card or account charge.

That word has several meanings in Spanish, depending on context:

• cargo bancario = bank charge / debit
• tener un cargo importante = to hold an important position/post
• hacer un cargo = to charge someone

In this sentence, because of no reconocido, the financial meaning is the natural one: a charge on an account that the customer does not recognize.

Because el points to a specific charge, not just any charge.

So el cargo no reconocido suggests that the charge has already been identified in the conversation, on a statement, or in a claim.

Compare:

• un cargo no reconocido = an unrecognized charge
• el cargo no reconocido = the unrecognized charge / the specific charge in question

Spanish uses the definite article very naturally when both speaker and listener know which item is being referred to.

Because in Spanish, adjectives and adjective-like forms very often come after the noun.

So:

• el cargo no reconocido

is the normal order in Spanish.

Also, reconocido here is a past participle used like an adjective, and these commonly come after the noun:

• la tarjeta bloqueada
• el pago rechazado
• el cargo no reconocido

In English, we often put this type of modifier before the noun: the unrecognized charge. Spanish usually prefers it after.

It is originally the past participle of reconocer (to recognize), but here it is being used adjectivally.

So in this sentence, no reconocido describes cargo.

Because it behaves like an adjective, it must agree with the noun:

• el cargo no reconocido → masculine singular
• la compra no reconocida → feminine singular
• los cargos no reconocidos → masculine plural
• las compras no reconocidas → feminine plural

This is a very common structure in Spanish.

Spanish often expresses this idea with no + past participle:

• no reconocido
• no autorizado
• no pagado
• no disponible

This is extremely common in formal, administrative, and banking language.

English often prefers a single-word adjective like unrecognized, but Spanish very naturally uses a two-word structure.

So cargo no reconocido sounds standard and idiomatic.

Sometimes yes, but the nuance is not exactly the same.

• no reconocido = not recognized, especially by the customer/account holder
• desconocido = unknown / unfamiliar

In banking and fraud contexts, cargo no reconocido is especially common because it clearly means a charge that the person says they do not recognize.

So while cargo desconocido might be understood, cargo no reconocido is the more standard and precise phrase in this type of situation.

In a way, yes.

El cargo no reconocido can be understood like:

• the charge that was not recognized
• or, depending on context, the charge that you do not recognize

Spanish often compresses this kind of idea into a noun + participle structure instead of using a longer relative clause.

So rather than saying something longer like:

• el cargo que no fue reconocido

Spanish can simply say:

• el cargo no reconocido

That shorter structure is very common and natural.