Sunday, October 28, 2012
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I am of the opinion that is a criminal organization.

In 2008 my wife decided to give them a try with their paid service. Every year since then she has tried to cancel the paid service. Every year they renew it anyway, and continue to increase the price each time.

This year we tried disputing the credit card charge. They sent the credit card company (Discover) a bunch of screen shots of the ancient transaction from 2008, but none of the subsequent requests for cancelation. I strongly suspect they’ve “lost” all our requests to cancel their service (which we never found remotely useful in the first place).

Discover sided with and insists that the transaction is legal.

As a merchant, I find that the credit card companies never side with me. <scarcasm>Apparently I need to create better screen shots to send in the case of disputes, because that seems to be the trick to screwing over your customers.</sarcasm>

At this point I think we’ll end up canceling the credit card completely. Not only because Discover is assisting what seems like criminal theft of our money, but also because 12 months from now when tries to steal some more money, they won’t be able to complete the transaction against a long-canceled credit card.

What recourse do I have as an individual in this case? In terms of raw cost, it’ll take thousands of dollars to sue to get my $40/year from them, so it makes more financial sense to allow their continued theft of my money. Certainly there’s no way to get back the latest $40 theft…

Sunday, October 28, 2012 3:08:31 PM (Central Standard Time, UTC-06:00)  #    Disclaimer  |  Comments [9]  | 
Sunday, October 28, 2012 3:49:02 PM (Central Standard Time, UTC-06:00)
Hello Rocky!
I thaught you live in the country of freedom :) I'm a french guy (using!) and here I only have to call my bank to reject the payment... after that, if the merchant wants to get its money, he has to prove with all pieces that I'm a bad huy! and generaly, for as little as $40, he does nothing.
Good luck for you!
Sunday, October 28, 2012 4:20:50 PM (Central Standard Time, UTC-06:00)
You could try cancelling it again and make sure you keep really good records, screenshot everything, send them emails and keep a copy, so that next time if they pull the same trick you can hit back and use it as evidence. If they clearly are trying to mislead you can use it as evidence to try and get your money for past years back.

Time it takes probably won't be worth it, but if you're like me and it becomes about the principle of it...
Sunday, October 28, 2012 4:37:18 PM (Central Standard Time, UTC-06:00)
Honestly, I think you ought to be careful about just cancelling the discover and assuming that will solve your problem. You could just create later problems for yourself because they may just pass the debt on to a collection agency next year if they can't collect.

Because you've effectively "paid up" as a result of discover siding with them, I would simply call up and initiate a cancellation asking for some form of cancelation evidence. Most front line CSRs would empathize with "I tried to cancel and "etc" happened, I just want to make sure this doesn't happen again so I would like some confirmation of cancellation".

Barring that, you could always send the letter certified. If this case occurred before and you have proof of a later certified letter to them, that will be sufficient grounds to win a case if they try to pursue it again.

Monday, October 29, 2012 8:11:49 AM (Central Standard Time, UTC-06:00)
Yeah, I'm with skagen, you definitely don't want this to negatively affect your credit score. Ouch.
Monday, October 29, 2012 8:30:29 AM (Central Standard Time, UTC-06:00)
If is any kind of modern social networking site (they're not), you might try complaining on Twitter, where everyone can see. You might get better results.
Monday, October 29, 2012 8:35:56 AM (Central Standard Time, UTC-06:00)
Cancelling the card may not even work. Read Michael Arrington (TechCrunch founder) story.

Scott Isaacs
Monday, October 29, 2012 10:09:00 AM (Central Standard Time, UTC-06:00)
I don't think cancelling the card would result in debt collection. If you are paid up now their is no debt. When they renew the charge will fail because the card is not valid. It's just like a credit card expiring.

It's truly sad has put their efforts into strong arm tactics rather than creating a better user experience. Facebook has made them desperate and instead of adapting they have dug their feet in the ground.

Best of luck!
Tuesday, October 30, 2012 3:45:44 PM (Central Standard Time, UTC-06:00)
I'm surprised. I've had my Discover card for almost 10 years and they have been great. I even had some fradulent charges against it. All I had to do was call them once and they refunded the money and issued me new cards. It was great customer service. (No I do not work for them or am associated with them in any way).

You're not the first to have this issue with They are exploiting a loophole to make the renewals legit. I would file a complaint at BBB ( and anywhere else you can. Then start harassing them, daily if needed, to remove your account.

If you want to try and solve it through new cards, just tell Discover that you want new cards with new numbers. They'll do that for you and then you can keep your account with them and when they try to charge the account it won't work.
Derek Schwechel
Thursday, November 01, 2012 2:00:15 PM (Central Standard Time, UTC-06:00)
1: Get a snail-mail address for them, and send them a cancellation notice by registered mail, return receipt requested. Include a copy of previous cancellation emails, and ask for refund.

2: Write to your state attorney general, as well as the AG of their state. That generally gets some attention, AGs tend to be publicity hounds
Comments are closed.