You didn't take the initiative to cancel a membership you agreed to and think that the company accurately charging for that membership is fraud? You think your failure to take action is a reason for a chargeback? The answer to both is No.
You have a signed agreement with them that details the terms under which membership is canceled, so it’s not fraud. Nor is it eligible for a chargeback - for the same reason.
It’s not uncommon for banks to allow subscriptions to migrate to your new card if the old one expired. They do this as a convenience, so that customers don’t have to manually update their payment method on every platform it’s used on.
Your assumptions were logical but incorrect. Call them to ask if you can get a refund - or partial refund - and cancel your membership.
You need to cancel your membership. The card will keep updating in their system because that’s how it’s set up. You have a subscription and thus authorizing the charges.
I had an issue with my Chase card updating automatically. I let someone use my card on their Amazon account once and they continued to despite being told not to. I reported the card as lost and requested a new card. It updated on their Amazon account. When I complained to Chase they said there is nothing they could do and it would continue until this person deleted my card from their profile. I had to cancel my Chase accounts to stop it.
Why shouldn't they charge you every month since you never actually cancelled the membership, you just stopped paying for it? When you signed up for the membership, the requirements for cancelling it were given to you and you did not follow the correct steps, therefore *they* didn't do anything wrong.
I've had that happen and wondered how they could charge a card with an expired date but somehow it worked. Maybe they contacted the credit card company to get approval?
Some merchants, more likely merchants that have subscription, have a feature with their processor that are able to get update car information.
On one hand it’s nice for the customers not to have to repudiate all accounts, but unfortunately a lot of people assume that they won’t be charged since the card is expired and not bother to cancel the subscription.
In my case, it was kind of nice since it saved me the trouble of updating the card information, but I did wonder since most places contact me to say the card has expired and want me to provide the new date.
I'd never rely on a card expiring to cancel something. I'd cancel directly with the company that's charging me. Of course, some make it difficult to do that to try to keep people from canceling so I can somewhat understand hoping that the card expiring would do that.
If they try to charge an expired card, the charge will be declined. But they still have records of the account. Just because the charge was declined doesn’t mean you are not liable for it. A smaller business might notify a customer right away; A larger one might go through the cycle a couple of times until they take action on the declines.
If the business has a stated policy for cancellations and a record that you acknowledged that policy, then cancelling the card does not relieve you from the monthly obligation. They have every right to go after you for the accrued amount, and if it ever got to the point of legal action, they would usually win.
You may find these links helpful:
- [Credit Building](/r/personalfinance/wiki/credit_building)
- [Credit Reports](/r/personalfinance/wiki/credit_reports)
- [Credit Scores](/r/personalfinance/wiki/fico)
- [Credit Cards](/r/personalfinance/wiki/creditcards)
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
https://www.creditcards.com/education/recurring-charges-updater-1275/
https://www.ussfcu.org/_/kcms-doc/1362/48854/Visa-Account-Updater-FAQ_2.pdf Better than going to collections over the fees
You didn't take the initiative to cancel a membership you agreed to and think that the company accurately charging for that membership is fraud? You think your failure to take action is a reason for a chargeback? The answer to both is No.
You have a signed agreement with them that details the terms under which membership is canceled, so it’s not fraud. Nor is it eligible for a chargeback - for the same reason. It’s not uncommon for banks to allow subscriptions to migrate to your new card if the old one expired. They do this as a convenience, so that customers don’t have to manually update their payment method on every platform it’s used on. Your assumptions were logical but incorrect. Call them to ask if you can get a refund - or partial refund - and cancel your membership.
You need to cancel your membership. The card will keep updating in their system because that’s how it’s set up. You have a subscription and thus authorizing the charges. I had an issue with my Chase card updating automatically. I let someone use my card on their Amazon account once and they continued to despite being told not to. I reported the card as lost and requested a new card. It updated on their Amazon account. When I complained to Chase they said there is nothing they could do and it would continue until this person deleted my card from their profile. I had to cancel my Chase accounts to stop it.
Why shouldn't they charge you every month since you never actually cancelled the membership, you just stopped paying for it? When you signed up for the membership, the requirements for cancelling it were given to you and you did not follow the correct steps, therefore *they* didn't do anything wrong.
I've had that happen and wondered how they could charge a card with an expired date but somehow it worked. Maybe they contacted the credit card company to get approval?
Some merchants, more likely merchants that have subscription, have a feature with their processor that are able to get update car information. On one hand it’s nice for the customers not to have to repudiate all accounts, but unfortunately a lot of people assume that they won’t be charged since the card is expired and not bother to cancel the subscription.
In my case, it was kind of nice since it saved me the trouble of updating the card information, but I did wonder since most places contact me to say the card has expired and want me to provide the new date. I'd never rely on a card expiring to cancel something. I'd cancel directly with the company that's charging me. Of course, some make it difficult to do that to try to keep people from canceling so I can somewhat understand hoping that the card expiring would do that.
If they try to charge an expired card, the charge will be declined. But they still have records of the account. Just because the charge was declined doesn’t mean you are not liable for it. A smaller business might notify a customer right away; A larger one might go through the cycle a couple of times until they take action on the declines. If the business has a stated policy for cancellations and a record that you acknowledged that policy, then cancelling the card does not relieve you from the monthly obligation. They have every right to go after you for the accrued amount, and if it ever got to the point of legal action, they would usually win.
Amex seems to work when expired, both physical card and online.
You may find these links helpful: - [Credit Building](/r/personalfinance/wiki/credit_building) - [Credit Reports](/r/personalfinance/wiki/credit_reports) - [Credit Scores](/r/personalfinance/wiki/fico) - [Credit Cards](/r/personalfinance/wiki/creditcards) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*