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Just Cancel the @#%$* Account!
An anonymous reader writes "PC World Senior Editor Tom Spring signed up for 32 online accounts. Then tried to cancel all of them. The most difficult to cancel: NetZero. The easiest to cancel: Consumer Reports Online and The New York Times TimesSelect. His experience was rated on a number of criteria, and highlights the hoops that commercial enterprises put in place to keep their 'customers'. From the article: 'I had a hard time canceling my $5 monthly Gold Classmates.com account, too. I couldn't find any information on how to cancel until I entered the word cancel In the site's search engine. Classmates.com spokesperson John Uppendahl confirmed that there is no other way to find cancellation information. But that was only the first hoop I had to jump through to cancel my membership. Classmates.com also forced me to click through several Web pages reminding me of the benefits I'd lose. Finally my clicking ended at a generic Member Support e-mail contact page containing a blank 'Your Question' field. Though the form said nothing about cancellations, I used it to request that the service cancel my subscription. The next day I received an e-mail message confirming that the service had accepted my request.'"
MSN Internet was on the list. They scored as "Big Hassle"
Here is the Big Hassle list:
* AOL
* BlueMountain.com
* Classmates.com
* ESPN
* MSN Internet
* Napster.com
* NetZero
* Real Rhapsody
* Real SuperPass
* True.com
Let me advise you that this is not as good a defense as you think. I did the same thing, and a company that I tried to quit from sent the "debt" (that I did not renew and tried to cancel) into collection, which to this day shows up on my credit record. I don't know if what they did is legal, but I can tell you it's been a huge pain in my ass to try to get this cleared up.
They say "you knowingly signed up and agreed to XYZ unless you canceled, so just because your credit card has expired, doesn't mean you don't owe us." And when you put it that way, I think they're right.
At least legally.
Nothing great was ever achieved without enthusiasm
Clearly no one is within their rights to dispute authorized charges. That's the whole point of a chargeback -- it's to charge back unauthorized charges.
You can't sign away your right to dispute unauthorized charges. For example, VISA's Chargeback Guidelines (PDF) specifically address this:
BTW, reading the VISA document above is well worth time. It's useful for those checkout line arguments you invariably find yourself in occasionally. (minimum charges, ID checks, etc.)
(This is why I laugh whenever some MacHead tells me about how they "buy" their music rather than "rent" it. Cancel your iTunes account and see what happens to those songs you "bought".)
.mac account after you cancelled .mac - it continues functioning as an Apple ID. You can even change the email address associated with it, so while your Apple ID may be R3dM3rcury@mac.com, the email address associated with the account could be R3dMercury@fancydomain.org
.Mac Preference Pane, and removing your old info.
There's nothing to cancel, iTunes isn't a subscription service. All the songs you purchase are linked to a Apple ID, which doesn't expire.
Also, you could've continued using the Apple ID created with your
As for the ID being "buried" within OS X, try opening up the
NetFlix is unbelievably easy to cancel, and to restart membership later. The ease of canceling actually played an important role in my later deciding to re-subscribe. You just don't see that kind of customer-comes-first attitude much these days.
"They've canceled the show but we're still here. What does that make us?" "Big Damn Junkies, Sir!" "Ain't we just"
"Oh yes, takes less than a day to charge the credit card, but a few days to refund"
no comment on efax... but... some companies (and the one I work for is one of them) trust the general customer service agent to charge your card but not to give money back.. because they dont want extra fraud going on by employees.. such as putting money back onto their own cards out of the company accounts...
Its a hassle because then the companies typically only have one or a small number of people authorized to put money back on to a card and thats part of what delays the refund.
ariven.com
Let me advise you that this is not as good a defense as you think. I did the same thing, and a company that I tried to quit from sent the "debt" (that I did not renew and tried to cancel) into collection, which to this day shows up on my credit record. I don't know if what they did is legal, but I can tell you it's been a huge pain in my ass to try to get this cleared up.
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Read the following thread:
http://www.fatwallet.com/forums/arcmessageview.ph
And follow the link to the creditnet.com message board. That forum is VERY good at helping to get credit reports cleaned up. Getting invalid derogatory info off you credit report is usually a piece of cake, and if it is difficult they can tell you how to get a quick $1K out of the company that reported it (there are government regulations they have to follow, and if they don't you get free money). If the debt reported is valid, there is still a decent chance to get it removed (either because the company doesn't maintain proper documentation or fails to follow government mandated procedures for responding to complaints/inquiries).
I wonder what would happen if a subscriber didn't update their credit card info once their card expires to let the account lapse.
In a related note, that very thing happened with me with Gold's Gym - my credit card lapsed and I had moved after college. I got a hold of them about the account after finding negative marks on my credit report. I paid the rest of my contract but they didn't tell me that after my contract was completed, I went to automatic monthly renewal. They also didn't tell me that I couldn't cancel that automatic renewal over the phone, neither could I go in person into one of their local locations. I tried to do both of these, visiting their gym when on vacation because I lived in another state at the time. For the phone cancellation, they said that they worried that some joker might cancel my account for me over the phone. I couldn't cancel at one of their locations because they just didn't cancel an account there...which was odd because a whole gaggle of tanned/manicured individuals were there to *create* accounts for people. I had to fax in a signed statement to their corporate offices (for that set of gyms) saying that I wanted to cancel my account.
So, not only did I have to pay for 6 months of gym "service" while living out of state because they had put me on automatic renewal, more bad credit stuff showed up on my credit report.
When I talked to them on the phone about the whole deal, they politely (sarcasm) responded that automatic renewal was in the contract so it was my own fault. So when I moved back to the state where the account was, I opted to avoid their gym like a basket full of snakes and spiders.
Let's give it up for self-serving companies who go to great lengths to sign people up but have to be threatened with legal action or with a public relations campaign to improve their practices in order to avoid destroying their own customers' credit. Btw, I know a guy whose credit was actually completely ruined by that same chain of Gold's Gyms - which btw is in the Salt Lake and Provo/Orem areas of Utah.